Would appreciate all and any advice from you learned caggers on whether the doc below is enforceable.

It was sent by them after my s78 request.

Its a MINT card

The doc below was accompanied by a letter from them which said, inter alia,;

'...we are obliged to provide you with a true copy of the credit agreement and a statement of financial information relating to the account,namely,the state of the account,amount currently due,with amounts and due dats of future payments that still require to be made. In terms of CCA copy document regulations, the true copy requirement can be satisfied by providing a copy agreement at the the date the card agreement was made and providing that plus a copy of the current terms of the card agreement....

...I have enclosed the s78[1] information...'

They did enclose 6 pages of t and c's. No signature appearing on anything.

'triton' have been chasing but I now have a letter from solicitors threatening proceedings unless i settle in full in next seven days [their letter is now 10 days old!]

WOULD REALLY APPRECIATE SOME INFORMED OPINION/ADVICE.

iF i am buggared please say so.I would like to contact them before they start proceedings

Thanks

BAB

Hi

Well somebodies buggered but I don't think it's you

Unless I have my eyes in backwards (sometimes happens) I cannot see:

The APR

The credit limit or a statement saying one will be set

No repayment terms.

In fact no terms whatsoever (apart from credit reference stuff)

Just because they have sent you separate terms and conditions does not make this a valid agreement.

Those key terms above need to be before any signature.

Methinks the account is now in dispute

fox

Thanks Silverfox

As you have probably realised i am a bit of a baby cagger and i was panicking a bit because i had a letter from SOLICITORS threatening proceedings so i posted up the [purported] CCA BEFORE i read the various threads on this [wonderful] sight. In particular, i read the thread of ANDREAMOUR,[v mint]the facts of which are EXACTLY the same as mine and the result of which leaves me feeling extremely optomistic and thouroughly unbuggared.

Thank you so much for your support and have a great weekend

BAB

Its a MINT card

The doc below was accompanied by a letter from them which said, inter alia,;

'...we are obliged to provide you with a true copy of the credit agreement and a statement of financial information relating to the account,namely,the state of the account,amount currently due,with amounts and due dats of future payments that still require to be made. In terms of CCA copy document regulations, the true copy requirement can be satisfied by providing a copy agreement at the the date the card agreement was made and providing that plus a copy of the current terms of the card agreement....

...I have enclosed the s78[1] information...'

 

They did enclose 6 pages of t and c's. No signature appearing on anything.

 

'triton' have been chasing but I now have a letter from solicitors threatening proceedings unless i settle in full in next seven days [their letter is now 10 days old!]

 

WOULD REALLY APPRECIATE SOME INFORMED OPINION/ADVICE.

 

iF i am buggared please say so.I would like to contact them before they start proceedings

 

Thanks

 

BAB

 

 

 

Hi Banksarebandits,

What year was this agreement signed? The rubber stamp says "For and on behalf of RBS" - DOES this count as a signature for the bank. I ask cos I got a letter like yours and the conditions of use on the APPLICATION are barely legible because of this ruddy great overprinted rubber stamp.

Any advice on how to deal with the Titans from Triton?

AGW

ace55