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Gemby

Time limit for CCA

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Hi

 

Can anyone tell me whether i can make a CCA request for a loan application form on a loan account that has defaulted?

 

I have made a request under section 77/78 of the CCA 1974.to Natwest. They have told me that "this section only applies to request made within the currency of an agreement. The request was in fact made outside the currency of the agreement".

 

Is this correct or are they still governed by th 12+2 days rule?

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SAR them then.

 

dx


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Hi dx

 

This is all to do with a pending court case. Natwest are taking me to court because i could not afford my loan repayments.

I requested the CCA back in October and to date they have not delivered. Do i have a case for unenforceability or are they correct in stating the request has to be on a current agreement?

I could look to do a SAR but all documents to be used in court need to be served by this Wednesday.

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i would of thought that if they have closed the A/C then you have no agreement.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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They havn't closed the account i have just found a statement dated 23/11/09 so they must still have it as current!

I think i have just answered my own question.

 

Thanks

 

Gemby

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