Sorry, I urgently need help on this matter. Have I posted in the wrong section?

Hi all I just thought I would ask for help! I followed the guides and links as best I could regarding credit card agreements and there legality. I have received three replies from all three contacted. mbna have responded as follows: enclosed: a. A copy of your executed agreement. (A photocopy of the application form) b.Current T&C's (As described) c. A copy of my most recent statement. (Signed by someone from mbna) My questions are; Does the application , signed by me as an applicant count as a valid credit agreement? Does the up to date statement, signed by someone else, confirm a legally valid debt? RBS Card 1 enclosed: a. letter claiming that in respect of the CCA copy document regulations. "The 'true' copy requirement can be satisfied by providing a copy agreement at the date the card agreement was made and providing that plus a copy of the current terms of the card agreement." b. A copy of the signed application form. c. A copy of current T&C's d. A copy of the terms of agreement (Unsigned) at the time they claim the agreement was made. e. A copy of the current statement (signed by someone from RBS) RBS Card 2 enclosed: a. letter claiming that in respect of the CCA copy document regulations. "The 'true' copy requirement can be satisfied by providing a copy agreement at the date the card agreement was made and providing that plus a copy of the current terms of the card agreement." b. A copy of current T&C's c. A copy of the terms of agreement (Unsigned) at the time they claim the agreement was made. d. A copy of the current statement (signed by someone from RBS) *Note no signed application or agreement My questions relating to RBS are: Is their quoted claim correct regarding providing a 'true' copy that meets the CCA copy document regulations, true? Do they need in the case of card 2 to provide a signed contract agreement or application? I'm sorry, I am new to all this and do not know where else to ask. Any help and advise will be appreciated. Bowershall

Hi all I just thought I would ask for help! I followed the guides and links as best I could regarding credit card agreements and there legality. I have received three replies from all three contacted. mbna have responded as follows: enclosed: a. A copy of your executed agreement. (A photocopy of the application form) b.Current terms and conditions (As described) c. A copy of my most recent statement. (Signed by someone from mbna) My questions are; Does the application , signed by me as an applicant count as a valid credit agreement? Does the up to date statement, signed by someone else, confirm a legally valid debt? RBS Card 1 enclosed: a. letter claiming that in respect of the CCA copy document regulations. "The 'true' copy requirement can be satisfied by providing a copy agreement at the date the card agreement was made and providing that plus a copy of the current terms of the card agreement." b. A copy of the signed application form. c. A copy of current terms and conditions d. A copy of the terms of agreement (Unsigned) at the time they claim the agreement was made. e. A copy of the current statement (signed by someone from RBS) RBS Card 2 enclosed: a. letter claiming that in respect of the CCA copy document regulations. "The 'true' copy requirement can be satisfied by providing a copy agreement at the date the card agreement was made and providing that plus a copy of the current terms of the card agreement." b. A copy of current terms and conditions c. A copy of the terms of agreement (Unsigned) at the time they claim the agreement was made. d. A copy of the current statement (signed by someone from RBS) *Note no signed application or agreement My questions relating to RBS are: Is their quoted claim correct regarding providing a 'true' copy that meets the CCA copy document regulations, true? Do they need in the case of card 2 to provide a signed contract agreement or application? I'm sorry, I am new to all this and do not know where else to ask. Any help and advise will be appreciated. Bowershall

Hi all I just thought I would ask for help! I followed the guides and links as best I could regarding credit card agreements and there legality. I have received three replies from all three contacted. mbna have responded as follows: enclosed: a. A copy of your executed agreement. (A photocopy of the application form) b.Current terms and conditions. (As described) c. A copy of my most recent statement. (Signed by someone from mbna) My questions are; Does the application , signed by me as an applicant count as a valid credit agreement? Does the up to date statement, signed by someone else, confirm a legally valid debt? RBS Card 1 enclosed: a. letter claiming that in respect of the CCA copy document regulations. "The 'true' copy requirement can be satisfied by providing a copy agreement at the date the card agreement was made and providing that plus a copy of the current terms of the card agreement." b. A copy of the signed application form. c. A copy of current terms and conditions. d. A copy of the terms of agreement (Unsigned) at the time they claim the agreement was made. e. A copy of the current statement (signed by someone from RBS) RBS Card 2 enclosed: a. letter claiming that in respect of the CCA copy document regulations. "The 'true' copy requirement can be satisfied by providing a copy agreement at the date the card agreement was made and providing that plus a copy of the current terms of the card agreement." b. A copy of current terms and conditions. c. A copy of the terms of agreement (Unsigned) at the time they claim the agreement was made. d. A copy of the current statement (signed by someone from RBS) *Note no signed application or agreement My questions relating to RBS are: Is their quoted claim correct regarding providing a 'true' copy that meets the CCA copy document regulations, true? Do they need in the case of card 2 to provide a signed contract agreement or application? I'm sorry, I am new to all this and do not know where else to ask. Any help and advise will be appreciated. Bowershall