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CCA Request - FSA says bank have done nothing wrong - help please?

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In july last year we did a cca request for our bank loan of 25k. They failed to supply, therefore we stopped paying. Since then it has been to DCA, Solicitors etc who threatened legal action, but we stuck to our guns. We referred the matter to the FSA then they backed off. However, now FSA have replied to our complaint to say that they do not think the bank did anything wrong, but that the matter can only be decided in court. The bank still maintain they can't provide the agreement, and have offered us £75 in compensation for this.

What do we do please?

1. Do we - write back to FSA saying we don't accept their findings - (how can they be outside the law and have done 'nothing wrong'?

2. Sit tight and see whether the bank issue.

3. Make the bank a silly offer per month

 

Any help gratefully appreciated

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Offer them Sweet FA!!

 

Banks used to commit offences if they failed to supply those details under the CCA 1974 but never took any noticed of it as it seemed no one knew what the offence was, anyway! Somewhere along the line, that subsection got repealled.

 

The fact that they haven't supplied you with anything means they are having trouble finding it! Wait for them to make the next move but don't pay if you don't want to.

 

Also, I think the FSA made the wrong decision as the bank ARE bound by the act; they cannot not be! The FSA, like the OFT and FOS, are all toothless old dogs, afariad of upsetting the banks. Well, all that is going to change very soon. I'd ask them to review their decision. Read up on the Act's relevant sections:-

 

http://www.statutelaw.gov.uk/legResults.aspx?LegType=All+Legislation&title=consumer+credit+act+&Year=1974&searchEnacted=0&extentMatchOnly=0&confersPower=0&blanketAmendment=0&sortAlpha=0&TYPE=QS&PageNumber=1&NavFrom=0&activeTextDocId=436428

Edited by FlyboyAgain
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