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  1. Hi thanks for your reply. Can this document be a modified version of the original application form for the credit card. Regards Mike
  2. It's a Tesco Bank card and I made the application in December 2000. Regards Mike
  3. Can anybody help with a credit card agreement, what must the documents contain and can the document be a modified version of the original application form. Regards
  4. It's been a while since I've on this forum so I hope someone can help. When a credit agreement document for a credit card is produced what must be the content of the document and, can it be  reconstituted version of the original application form. Any help would be appreciated.









  5. I was probably going to do this anyway but what do you think I should do about the cheque, bank it or rip it up, the difficulty is it contains the refund of my fee for the documents.
  6. It would have been just before I applied for the copy of the credit agreement November 2014
  7. About five years ago I out a request for a copy of a so called credit agreement for a card I held. As they did not provide these documents (mainly because I never signed one) I wrote to them saying the matter is now in serious dispute. Just recently I was contacted by an organisation called CSL based i Whitechurch Bucks. Since then Lloyds have re-contacted me saying that because the credit card was taken out before 19th May 1985 they did not have to supply these documents and, as such, they have returned my fee of £1.00 plus £100.00 compensation. My enquiry is, are they right in the date they have quoted and what should I do about the cheque (I suppose the obvious thing to do is cash it but would I be admitting to anything if I did). Many thanks for any help Mikesmotor
  8. I don't think this is Cabot's doing, I think this is something that RBS has concocted would have thought that Cabot, if they are as competent about things as they think they are, would have realized that this is a concoction but, I was under the understanding that while a serious dispute exists the account cannot be passed to a third party hence the reason why Triton and Westcot dropped out. Regards Mike
  9. I've requested a copy of a so called credit card agreement from RBS way back in 2012. The whole thing went into serious dispute I have never received a copy of the so called agreement or my money back. So far, after two credit companies, Triton and Westcot have failed to get anywhere and RBS have sold the account to Cabot Financial. They have sent me a document that RBS claims to be the executable agreement but it is nothing more than a re-hashed card application form with various parts copied into it. Anybody had any similar experiences. Regards Mike
  10. I am aware of all of this but the issue here is that my wife is paying into a workplace pension but the amount of tax she is paying is being calculated on her complete salary including her contribution. I can't make her understand this and I get my head bitten off if I mention it. Is there any way of getting her employer to correct this matter without causing to much mayhem!
  11. can anybody advise me as I seem to have got a lot of contradictory info here. I would like to know if the contribution an employee pays out of his/her wages/salary towards their workplace pension is in fact taxable through the normal p.a.y.e. system. Any help would be appreciated.
  12. The insurance company have tried to claim that they have the right to access the DVLA data base. The DVLA have agreed that they don't and have investigated the matter. I would suggest that the insurers had a way of hacking into the data base and have been found out hence their actions.
  13. I would certainly agree that it is the data protection issue that has caused the insurance company (CIS) to cancel the policy but, because they've made such a mess overt handling the claim I am glad to be rid of them.
  14. It would appear that my wife has a two year old SP50 speeding fine which I forgot to disclose. The insurers did charge extra premiums which we paid but I believe it was they way they discovered this SP50 which breached the data protection act.
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