Reply to: Man made his own credit card and sues bank??!?!?!?

[AtW]

rich fraudsters are more comfortable.

More comfortable than tax evaders?

Both in my view are very bad long term strategies, only suitable for people with terminal deseases or just very very stupid ones.

[BrilloPad]

Better be honest poor, rather than rich fraudster.

rich fraudsters are more comfortable.

[AtW]

Thats why you are still so poor.

Better be honest poor, rather than rich fraudster.

[BrilloPad]

It's obtaining money by deception.

Thats why you are still so poor.

[AtW]

Rubbish. Its standard business practice.

It's obtaining money by deception.

[BrilloPad]

However if customer sneakily altered text then it's most certainly fraud in this country.

Rubbish. Its standard business practice.

[AtW]

the client would have no proof the bank had accepted those amended terms.

If banks proceeds to offer credit then it could be deemed as having implicitly accepted the terms - during court case they would need to show their copy of terms and if it's exactly the same it could well be considered accepted.

However if customer sneakily altered text then it's most certainly fraud in this country.

[KentPhilip]

The mistake the bank made was in sending back to the client the amended contract signed by the bank.
In the UK the bank would not do this. So even if the bank received the amended contract the client would have no proof the bank had accepted those amended terms.

[AtW]

Handwritten amendments or striking out terms is possibly legit. Scanning and editing the contract to appear original is deception. Over here, deception for monetary gain is fraud.

That's fraud for sure unless the other party was clearly told that the changes were made.

[Contreras]

Handwritten amendments or striking out terms is possibly legit. Scanning and editing the contract to appear original is deception. Over here, deception for monetary gain is fraud.

I do often wonder what value there is in a signature given the potential for the other party to swap out unsigned pages.

[AtW]

Does the bank have a leg to stand on?

In Soviet Russia a bank does not need a leg to stand on in order to secure out of court settlement due to sudden death of the plaintiff.

HTH

[Sysman]

Anyone seen this?

Man who created own credit card sues bank for not sticking to terms - Telegraph

Does the bank have a leg to stand on?

I wonder if he got the idea from the BOFH.

[MarillionFan]

I think that wouldn't be the case.

I have amended agency contracts - crossed out bits I didn't like, and added a few bits here and there - all initialled, and then signed. No-one's ever said anything. But then nothing's ever come of it either.

Same. My legal department does this all the time with contracts that come out way. Redline this, change that.

I think I might try this next time I apply for credit it. If its accepted its legal and binding.

[vetran]

Send it recorded rather than just posting it, and make sure it's sealed properly so can't be opened.

send it to your accountant and ask them to store it for you. Might be a small fee.

[TheFaQQer]

As the signatures normally only on one page, photocopy it and post a copy to yourself and leave it unopened for proof of the contract terms as signed, incase they swop the altered pages for the original for the 'copy of the signed contract' they send back to you

Have had agencies do that one before....

Send it recorded rather than just posting it, and make sure it's sealed properly so can't be opened.