Hi

I have recently received my credit card agreement from Beneficial Bank ( on request) and having read all the posts on this issue wonder if it is legal.

It is signed by me, but not by the lender.

It does not specify a cooling off period

It does not specify any rate of interest

There is an amout of 3k scribbled, hardly legible, which I assume was my initial limt.

I have written to them, stating all of this, and they say that just because I have signed it, then it is legal, and there is a veiled threat about my credit rating -presumable if I stop payments, which I have not said I am going to do.

What do you think anyone?