there is a copy of my one from 2001 here http://www.consumeractiongroup.co.uk/forum/general-knowledge/132459-valid-consumer-credit-agreement.html If thats any help

I have started a thread here http://www.consumeractiongroup.co.uk/forum/general-knowledge/132459-valid-consumer-credit-agreement.html#post1396313

Thanks for the info Rob I have taken that this is an eligble consumer credit agreement and have now offered to pay the standard minimum payment until I get an outcome from FOS. I'm so sick of all this to be honest and a little fed up that the consumer credit act 1974 and requesting CCA's doesn't seem to offer consumers any real protection in any way. I am willing to fight this to the end, but am confused about my options. It seems (from the other thread) that this 'application form' is a valid consumer credit agreement.... I'm not sure what would happen if I said stuff it, and refused to pay them based on the fact that I do not have an agreement with Citi Cards and only have this application form from Citi cards. When this all started way back in Sept 07 I was confident this debt was not mine, now I'm not sure, but, they have messed me around so much and for so long with providing just this 'application form' that I want to make them pay for the messing around. My plans and actions so far; - I have forwarded the complaint to FOS and await their response. - I have writen to Citi and confirmed that I have finaly received the application form and made an offer of minimum payments until we get the outcome from FOS. - I have made a minimum (3%) payment on the outstanding balance - I have made a complaint to the Office of fair trading (they are not really bothered, but gave me a reference number - Big deal) - ICO inform me that they do not take on individual cases, so I have asked them to record the information in case they get more complaints, they have assured me they have logged the details, but I'm sure they are just playing lip service. - I am now contemplating issueing a CCJ for the additional charges, associated costs and stress caused by dealing with this crap. But I'm not sure what else I can do, seems like they have you by the wotsits even when they fail to comply with the Act.

To be honest, I thought as mine was an application for credit form, not a consumer credit agreement, it would not meet the requirements of a consumer credit agreement... So I am wrong? and they could use this in court to enforce the debt?

Thanks for all the responses The reason for the second £1 was benefit of doubt that they had received the first one - they didn't cash the first cheque until they had received the second one???

Hi I have a problem with Citi Cards and requested a copy of the consumer credit agreement I sent the first request (as outlined by this site - thanks guys) on the 22nd september 2007 and included the £1 cheque as advised. They failed to respond so i sent another request on the 11th of Oct 2007 with another £1 cheque, still no response, so I sent a 'default' letter (again as outlined on this site) on the 25th October 2007. I then sent them a Subject Access Request on the 19th December, to which they have not responded. But, they finally sent a copy of my original application form on the 28th February 2008. shown below... They have charged me additional charges and interest during the period of default, and refused to refund it. I have not paid a penny on the account since it went into default. And as they have to refused to refund the additional charges and interest I have refered the matter to FOS. My question are; - does the application form constitute a Consumer Credit Agreement? - what are my options regarding the timings of their response and further possible action? Thanks in advance to anyone who can help

Could you please let me know where the proper thread for this type of post is?

whoopeee - thanks gyzmo - to be honest I thought as much. Am I right in assuming that if they can not produce a consumer credit agreement, they can not enforce the debt?

Yes I am having dealing with them at the moment - they do not seem to understand the consumer credit act at all - bless them see my post at http://www.consumeractiongroup.co.uk/forum/general-knowledge/132459-valid-consumer-credit-agreement.html#post1393750 I currently have a complaint with FOS about them

Hi I have a problem with Citi Cards and requested a copy of the consumer credit agreement I sent the first request (as outlined by this site - thanks guys) on the 22nd september 2007 and included the £1 cheque as advised. They failed to respond so i sent another request on the 11th of Oct 2007 with another £1 cheque, still no response, so I sent a 'default' letter (again as outlined on this site) on the 25th October 2007. I then sent them a Subject Access Request on the 19th December, to which they have not responded. But, they finally sent a copy of my original application form on the 28th February 2008. shown below... They have charged me additional charges and interest during the period of default, and refused to refund it. I have not paid a penny on the account since it went into default. And as they have to refused to refund the additional charges and interest I have refered the matter to FOS. My question are; - does the application form constitute a Consumer Credit Agreement? - what are my options regarding the timings of their response and further possible action? Thanks in advance to anyone who can help