Hello,

I would be extremely interested to hear from all caggers regarding their experiences of obtaining true copies of their credit agreements after sending a legal request under section 77/78 of the cca 1974 to the rbs/NatWest.

It is my experience that they are extremely reluctant or have mis-placed, lost, disposed of these legal agreements.

If enough evidence from customers is obtained, it is my intention to provide this evidence and submitted a mass complaint to the oft and the fsa, and hopefully, rather than tell us they will not investigate individual complaints, but pull their finger out and really investigate this matter and fine the pants of them:grin:

Individually they run us around in circles, but a large complaint they will have to listen

Thanks in anticipation:grin:

You've got my support. I'm 2 years in to this very problem myself and now off sick from work because of it all. I cannot begin to tell you how ill it's made/making me. They've even forged the agreement and I can prove it.

Where's Martin Lewis when you need him.

Thanks for your input:grin:

Can you tell us a bit more about your trouble with them please do you have a thread on the matter.

I have further noticed that even if they admit that they do not have the credit agreement they are restructuring some of them.

Info from the Sticky by bankfodder

How trustworthy is your bank? | Money | The Guardian

You've got my support. I'm 2 years in to this very problem myself and now off sick from work because of it all. I cannot begin to tell you how ill it's made/making me. They've even forged the agreement and I can prove it.

Where's Martin Lewis when you need him.

I've pmd you my contact number.

Regards

hiya hellhasnofury

count me in too, im just about to request a Sars for a credit card account and for virginone bank/mortgage account, and i will send also as seperate the cca request for the credit card account mint.

will do my threads and come back and edit this post for you to check on my progress if that helps you and thats what you are requesting

take care ciao for now maz

My CCA has resulted in the same lack of response. Today they have written to tell me they only need to supply copy of current ts and cs and NOTHING that resembles my signed agreement. As this account is quite old my belief is that they would struggle to find it and even if they did would find it unenforceable.

I will be replying to them accordingly once I have been given suitable wording as I have now registered being in dispute.

My CCA has resulted in the same lack of response. Today they have written to tell me they only need to supply copy of current ts and cs and NOTHING that resembles my signed agreement. As this account is quite old my belief is that they would struggle to find it and even if they did would find it unenforceable.

 

I will be replying to them accordingly once I have been given suitable wording as I have now registered being in dispute.

The regs do allow the bank to forward just the current terms and conditions if the agreement was taken out prior to 1985. However, agreemets post 85 have to be true copies including t&cs

I have clarification from the OFT as to what is required..... but it has to be a copy of the signed executed agreement - though they can ommit the name/address and signature.

Had Citi try to pull a fast one in providing T&C from 2007, for an account opened in 1996 stating that the 2007 T&C were the executed agreement.... lol... though they have stated their intention to default me, copy of the OFT document has gone to them and currently awaiting their response.

I have clarification from the OFT as to what is required..... but it has to be a copy of the signed executed agreement - though they can ommit the name/address and signature.

 

Had Citi try to pull a fast one in providing T&C from 2007, for an account opened in 1996 stating that the 2007 T&C were the executed agreement.... lol... though they have stated their intention to default me, copy of the OFT document has gone to them and currently awaiting their response.

The regs are clear a creditor will satisfy a cca request by sending a copy of the current t&cs if the agreement was entered into prior to 1985, that is if the agreement has been lost and no, they cannot omit name and addresses.

Regards

I was only just 18 in 1985 so can confirm my agreement will have been post this date.

They have not given me what I asked for, am in dispute and will keep on until they confirm that they do not hold agreements to enforce or provide me with them at which point I will agree a plan.

Hello, I have two loans with RBS. I have sent CCA requests for them both. They have admitted that one CCA has been 'mis-placed', and when they sent the other one, it had someone elses signature on it and is clearly not mine! Iv complained to OFT, FOS and Informasion Commisioners but OFT said they couldnt help because Im a consumer.

Will help any way I can!

+1, and here's one of my RBS threads :http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland/155034-rbs-recent-cca-they.html

Interesting reading:D

http://www.fsa.gov.uk/pubs/final/rbs_12dec02.pdf

Get complaining:D

Thanks for clarification paul, do you know the specific regs that dont allow them to omit the name/address on an executed agreement.

Was always under the impression that under the Consumer Credit (Cancellation Notices ad Copies of Documents) Regulations 1983 they were allowed to leave out certain details such as name, address and signature/signature box. The OFT reference this in their response to me regarding what Citi have sent after a CCA request.

Good point on Terms & Conditions being sufficient for an agreement lost prior to 1985, compiling as much ammunition as possible before going to my MP with my problems re: Citi.