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pete_2000_2002

Cap one - CCA or SAR?

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Hello all me again.

 

I had a credit card with Cap one about five years ago and of course ran into problems and it went to whichever DCA I cant remember which one.

 

I know there were loads of charges on the account (and loads of phonecalls etc).

 

I still have my card from them with my account number and the dates which is 07/04 - 06/06.

 

Could anyone tell me - should I CCA cap one - as i have read loads of their agreements are rubbish or SAR them just for the charges?

 

Many thanks for any advice.

Pete

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hi

I would do both. With a CCA request they tend to send a copy of some rubbish or other but with a SAR, if you stipulate that you want a copy of your original agreement, they should supply it.( however they sometimes don't. )

 

You can't put an account into dispute on the back of a SAR so if you are after seeing if the agreement is unenforceable then a CCA request is the way to go.

 

For the sake of an extra quid it will put your mind at rest when they supply you with their usual rubbish.

 

fox


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if the A/C is no longer active there is little point in a CCA.

 

you need to SAR them to get all the statements and then total the charges etc and reclaim.

 

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