Hi

My partner is knee deep as they say. We applied for her CCA from RBS and received this.

What I have noted is that there is no signature on behalf of RBS and the signature is on a piece of paper not connected with the first 2 (Is it 4 corners)

Can anyone advise our next move

Sorry, attached them now as a PDF

Thanks

RBOS CCA.pdf

initialy it starts of as a application form but then the second page becomes and aggreement form but this does not look like any rbs form i have ever seen...did this come from rbs...also have you sent a SAR if not send this now i see a cca sent but you need to send a subject to access and wait and see what comes out of this others will come and help on this thread so dont worry too much at the moment see the how to at bottom of my post ...

you also need to add within the SAR that can they confirm that this is a true aggreement or is it a reconstruction of an aggreement

patrickq1

Yes this was from RBS. I think the original application was done online and then this was sent to sign.

Thanks

ok ive asked for some help on this thread

have a look on this thread as well and see if you can find some pointers

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland/230362-rbs-cca-request-received.html

Any other thoughts please/

Chaps im really struggling as what next. Any advice would be appreciated.

ive asked the mods to see if they will look in on this thread

patrickq1

I'm of the opinion that it's enforceable.

Although there is no creditor "signature" as such, this would only make the agreement unexecuted. You may find that a Judge would ruke that the "received" date stamp would suffice.

The page numbers would indicate that the document is constructed of 3 pages and they are numbered as such.

I would advise a look at these links which may help you understand the enforceabilty of the paperwork (courtesy of 42man & steven4064) -

Is My Agreement Enforceable - Useful

Consumer Credit Agreements