Hi All,

Requested cca from rbs and have sent me....agreement?

Could someone please advise if it's enforceable.

Second doc attached is apparently the reverse of the agreement.

rbs reverse aggreement.pdf

The prescribed terms are not within the four corners of the signed agreement, the 'reverse' is the T&Cs and even if they actually were the reverse of the signed document I can't see any mention of credit limit, repayment terms or the right to cancel.

Hi Cerbs,

"Prescribed terms in all four corners" what does this actually mean.

I pressume by your comments that it is unenforceable.If so should i SAR them or .......?

Hi Cerbs,

"Prescribed terms in all four corners" what does this actually mean.

I pressume by your comments that it is unenforceable.If so should i SAR them or .......?

I've just checked your documents again.... those T&Cs are definitely and irrefutably not the reverse of that signed agreement. You signed that agreement in 1991 and those T&Cs mention that the interest will be fixed until 1998 (sec 5 i )... now what credit card company ever fixes interest for 7 years?

It's what it says on the top... an application devoid of all the prescribed terms + the right to cancel and is unenforceable.

Hi Cerbs,

It was taken out in 97...their stamp top and bottom of page.

Sugar.. I read it as 91, never mind because it's still unenforceable as it doesn't contain all the prescribed terms , l.

Cerbs,

Should i SAR them? or send a letter?

Did you pay any PPI on this a/c and have they sent you a default notice?

Hi Cerbs,

Honest answer don't know although credit report says DN issued in Oct 2007

Any PPI?

Don't know haven't got any statements.

Send a SAR then, see what that throws up.

ok will do.

Hi twoman.

Have had a look at your post above and i'm not so sure that the App Form is as naff as it first appears.

The info in the box in the bottom right hand corner of the front page - I can see some references to 'conditions overleaf' and cancellation rights but it's not clear enough to see it properly.

Is there any mention of payment terms or the like?

M

The right to cancel is there but it was masked by their stamp, however I can't see any credit limit or reference to it or repayment terms.

Me neither.

Thats why I wondered what else was in or around that box. I can see the words "the current conditions of use ("conditions") as set out overleaf apply"

M

Hi twoman,

I've enlarged the view of that 'box' (now i'm on a better PC ) and I can see references to APRs, repayment terms etc.

Still not clear enough to see it properly. Are all of the PTs in the box?

M

Hi M&M,

PT's ...i assume are prescribed terms?

The agreement is very unclear and hardley readable I think because of the photo copy they have sent.

I guess the only way is to see the original but the reverse is crystal clear!

Hi M&M,

PT's ...i assume are prescribed terms?

The agreement is very unclear and hardley readable I think because of the photo copy they have sent.

I guess the only way is to see the original but the reverse is crystal clear!

M

Hi Caggers,

Anybody heard of regal credit solutions.

Hi Caggers,

Anybody heard of regal credit solutions.

Not dealt with them myself yet but they're known on Cag. http://www.consumeractiongroup.co.uk/forum/showthread.php?230202-Regal-Credit-Solutions-anyone-had-dealings

M