Has anybody used this memo as ammunition with RBS? I have a Mint card (was RBS Adavanta) from 1997 and the application form they sent me was not countersigned by RBS and I am thereofre going to write the standard letter back )also no 'overleaf' conditions as referred to in the declaration part. Also have an RBS card which I sent the CCA letter on 9th March - no reply at all so far. Should I wait 30 days until they are breaking the law, or should I write now? Also me & my husband both have Tesco Credit Cards (also RBS) and they look OK on the face of it except my husband's application has our old address pre-printed on it, so no mention of our address at the time of taking the card (March 2000). Also, no 'overleaf' details as above. My Tesco card looks moew watertight on the face of it, but has no overleaf terms either. All 3 of them sent me copy terms & condition leaflets from original tiem and current, so they are obviously trying to cover all bases now. Thanks very much x

Thanks for that Milly do you have a link to a suitable letter to fire back about the conditions overleaf? I also have a Tesco card (RBS again I know!) that I will write the same letter as they haven't sent me the conditions on the back either. Also the Tesco agreement had my old address on the top of the application form (pre-populated), so although it's signed by me in March 2000, would that invalidate it? AND...I also sent the CCA request letter to RBS on the same day as the others (9th March recorded delivery, so I know they all arrived on the 10th) and I've had nothing from them yet at all...does that mean they're out of time now with the 12 + 2 rule? Thanks again...x

Sorry for the delay in replying - it's taking me a while to work out the technology!! Hopefully the mint agreement will be attached and I've also blown up the small print re: the stuff 'overleaf'. Any opinions would be welcome.

Hi Guys, This is my first attempt at joining the forums. I hope I'm not intruding on this thread, but can anyone tell me if my CCA with Mint/RBS Avanta is enforceable please? Mine is from 1997 and they have sent me a copy of the application form, which was to RBS Avanta at the time. Is there any mileage in the fact that they haven't sent the reverse page which is where they are referring to various terms & conditions? I need to go home & check out if it's a cut and paste job, cos they only just made it within the time limit! Thanks so far...