Natwest confirmed they cannot find my CCA, but their Mircofiche copy will do?

[jacqueline1982]

Hiya,

 

Today i recieved a letter from Natwest confirming"they cannot find my ORIGINAL loan agreement".

 

But they the mircofiche copy "will stand up in a court of law"

 

any ideas

 

Any winners from nastywest?

 

Have Natwest tryed this Microfiche crap with anyone?

 

if they binned or shreaded contracts,and scanned it as they have done,documents can be amended, then scanned?

 

Thanks

[tomterm8]

As long as the document is fundamentally the same as when you signed it, then the document can be admitted into evidence even though it is a copy.

 

If necessary, i can dredge up the applicable law.

 

the essence, however, is that if you dispute the authenticity of the document, the court will rule on what procedure it requires to authenticate the document.

 

However, just because a document is provided with your signature on, doesn't mean it is an enforceable credit agreement under CCA 1974. I would need to see it to be sure.

[Goldlady]

Have they actually sent you a copy of this microfiched thing?

[jacqueline1982]

hiya,

 

heres a copy of what they sent me

[clowders]

just because a document is provided with your signature on, doesn't mean it is an enforceable credit agreement under CCA 1974. I would need to see it to be sure.

 

 

Hi, sorry to intrude on your posts, but can you please tell me whether or not the CCA applies to authorised overdrafts on a normal current account. If so, and they do not have a copy of mine, how does it work in clearing the debt. Sorry for the basic questions but am a newbie.

[tomterm8]

just because a document is provided with your signature on, doesn't mean it is an enforceable credit agreement under CCA 1974. I would need to see it to be sure.

 

 

Hi, sorry to intrude on your posts, but can you please tell me whether or not the CCA applies to authorised overdrafts on a normal current account. If so, and they do not have a copy of mine, how does it work in clearing the debt. Sorry for the basic questions but am a newbie.

 

You should start you own thread, to get the most advice.

 

No, the CCA does not apply to an current account, but it will apply to any consumer overdraft (less than 25,000 before CCA 2006 came into force).

 

However, there is a exemption, restricting the information they need to send you before the overdraft is sent; and consequently the information they must send you in response to a CCA request is very limited. There is no requirement for a signature on any credit agreement for the overdraft to be enforceable. Almost all overdrafts in my experience will enforceable. You are best off looking at reclaiming any PPI or unlawful charges.