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Legaility of account name changes and card changes

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sorry about that title but I really could not figure out a good thread name for this!


Could anybody advise on the legal issues, if any, regarding a credit card account (


Basically the above was RBS Advanta


RBSA Platinum


RBS Mint


I do recall there being some mention about ownership or management of the account but what I'd like to know specifically is whether the fact there are two credir card numbers are significant. ie should there be 2 CCAs?


Also in my SAR should MINT have provided copy statements with the Mint name when account was originally RBSA or RBS Advanta (I need to check they actually did this). I believe they either did this or just did not provide statements prior to the 'Mint' name coming into existence.


They have also provided a mock-up of a credit agreement with an Advanta original T+Cs but that is the one and only reference they have ever made to Advanta whcih of course also had different account number to the present Mint account BUT the mock-up shows present fees etc which obvioulsy must relate to the existing car - which is a different account to the Advanta one.


Perhaps I am reading too much into the fact that there are 2 account numbers for one account?!!! ie Advanta (old) = Mint (now) and should therefore be one cca BUT if this is not the case then Advanta + Mint = 2 ccas and logically 2 accounts? If this is so I am pretty damned sure Mint did all of this 'transfer' without any paperwork or a new cca.....?


Hopefully somebody will understand my ramblings!!? I would appreciate feedback as I believe many Mint accounts derived from the old Advanta accounts and most likely were also given new account numbers which according to my logic means new 'agreement'???


If not and they can just change account numbers and I'm losing the plot please forgive me!

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just to clarify some additional information


No statements provided from original card number

Name changed before card number did

The mock-up cca states the 'new' card number and the 'new' card name ie Mint

No cca provided for the 'old' and I believe original and one and only 'agreement'.


Would really appreciate some assistance on this.

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