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Hi

My partner is knee deep as they say. We applied for her CCA from RBS and received this.

 

What I have noted is that there is no signature on behalf of RBS and the signature is on a piece of paper not connected with the first 2 (Is it 4 corners)

 

Can anyone advise our next move

Edited by Isiris

Whatever I post is my opinion and should be taken as such, an opinion. While it is what I believe and is offered in good faith, it should not be taken as a statement of truth

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Sorry, attached them now as a PDF

 

Thanks

RBOS CCA.pdf


Whatever I post is my opinion and should be taken as such, an opinion. While it is what I believe and is offered in good faith, it should not be taken as a statement of truth

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initialy it starts of as a application form but then the second page becomes and aggreement form but this does not look like any rbs form i have ever seen...did this come from rbs...also have you sent a SAR if not send this now i see a cca sent but you need to send a subject to access and wait and see what comes out of this others will come and help on this thread so dont worry too much at the moment see the how to at bottom of my post ...

you also need to add within the SAR that can they confirm that this is a true aggreement or is it a reconstruction of an aggreement

patrickq1


http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional

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Yes this was from RBS. I think the original application was done online and then this was sent to sign.

 

Thanks


Whatever I post is my opinion and should be taken as such, an opinion. While it is what I believe and is offered in good faith, it should not be taken as a statement of truth

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ok ive asked for some help on this thread

have a look on this thread as well and see if you can find some pointers

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland/230362-rbs-cca-request-received.html


http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional

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Any other thoughts please/


Whatever I post is my opinion and should be taken as such, an opinion. While it is what I believe and is offered in good faith, it should not be taken as a statement of truth

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Chaps im really struggling as what next. Any advice would be appreciated.


Whatever I post is my opinion and should be taken as such, an opinion. While it is what I believe and is offered in good faith, it should not be taken as a statement of truth

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ive asked the mods to see if they will look in on this thread

patrickq1


http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional

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I'm of the opinion that it's enforceable.

 

Although there is no creditor "signature" as such, this would only make the agreement unexecuted. You may find that a Judge would ruke that the "received" date stamp would suffice.

 

The page numbers would indicate that the document is constructed of 3 pages and they are numbered as such.

 

I would advise a look at these links which may help you understand the enforceabilty of the paperwork (courtesy of 42man & steven4064) -

 

 

Is My Agreement Enforceable - Useful

 

 

Consumer Credit Agreements


 

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Any advice & opinions given by supasnooper are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability.

Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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