MBNA have no record of a signed contract

The Electronic Commerce Act, 2000 gives legal recognition to electronic signatures. An electronic signature is defined as "data in electronic form attached to, incorporated in or logically associated with other electronic data and which serves as a method of authenticating the purported originator, and includes an advanced electronic signature". The Act recognises current encryption technology and is designed to be technologically neutral.

Basically when you click online and agree to the terms and conditions of a loan/credit card - you are signing your agreement.

Going back to the original post - if you applied online, then you agreed to all terms and conditions - a physical signature does not need to be present.
 
They do need to verify the identity of the applicant as per the CJA 1994. Sometimes they forget.
 
yes - by sending in other documentation - ie. copy of passport, bank statement etc - they will have other back up documentation but he/she only asked for the contract
 
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