Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
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    Default Tesco (RBS) CCA advice please

    Hi would be
    grateful if someone could take a look at these for me, received today but copy isnt dated at all and im not sure if this is enforcable. any advice welcome - thanks

    http://i827.photobucket.com/albums/z.../tescocca1.jpg
    http://i827.photobucket.com/albums/z.../tescocca2.jpg
    http://i827.photobucket.com/albums/z.../tescocca3.jpg


  2. #2

    Default Re: Tesco (RBS) CCA advice please

    Quote Originally Posted by chinawhite1 View Post
    Hi would be
    grateful if someone could take a look at these for me, received today but copy isnt dated at all and im not sure if this is enforcable. any advice welcome - thanks

    http://i827.photobucket.com/albums/z.../tescocca1.jpg
    http://i827.photobucket.com/albums/z.../tescocca2.jpg
    http://i827.photobucket.com/albums/z.../tescocca3.jpg
    Where are the signatures?

    An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />
    Winston Churchill
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  3. #3
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    Do you record your calls?
    You'll regret it if you don't.




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    Default Re: Tesco (RBS) CCA advice please

    hi, no signatures or dates anywhere


  4. #4

    Default Re: Tesco (RBS) CCA advice please

    They are apparently allowed to exclude signature, signature date and the signature box under the copy document regulations.

    That said the document should accurately mirror the contents of the executed agreement precisely aside for the above exclusions, this could be a copy of a executed agreement with those area's blocked out, or the exact text present on the executed agreement.

    What we have here though is not the precise text from what would likely have been an application form, but a print-out of the terms and conditions with the text "This is your agreement added at the top". Therefore I would suggest that this does not fulfill s78(1) CCA 1974 request, the creditor not having discharged their obligations under the act to provide a copy of the executed agreement should be reminded of this and the exclusions which apply in them not being able to enforce an agreement either with or without a court order whilst they are in default of completing s78(1).

    That said some banks seem to be operating more as a law unto themselves and will likely state that they have completed the request.

    Out of interest when did you apply to open the account?

    Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.
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  5. #5
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




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    Cagger since : Sep 2009

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    Default Re: Tesco (RBS) CCA advice please

    Hi, thanks for the reply, I have had this account for a long time now, I cant remember the exact date but it must be about 10 years old.



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