RBS No CCA Letter received

[Gum]

Hello Everyone!

 

I wrote to RBS with 1.00 pound postal order requesting a copy of my CCA for a credit card I have with them and allowed them 12 + 2 for their reply. They replied to me within the time frame and recievd a letter advising me. Thank you for your letter and the comments are noted. Unfortunately, we cannot provide a copy of CCA, as it is no longer available. I have been paying them all this time. Does anybody know of a leter I could send to them that the account is now in dispute because they do not have a copy of the CCA. Your help greatly appreciated. Many thanks.

[maroondevo52]

Hi, Gum.

 

This is the 'Dispute' Letter.......................

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/571-failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale

 

Regards.

 

Scott.

[MARTIN3030]

Moved to RBS forums.

[Gum]

Thank you Scott, sorry I got late to thank you for your support, just got back from a long trip

[Gum]

Hello Everybody,

 

Many thanks for all your help I wrote to Mint and asked for CCA. They wrote to me advising that they do not have a copy of CCA. Then I wrte to them with a letter from the consumer forum library advising account in dispute, now they have sent me the attached letter. I had an agreement with them in the past but now should I continue to pay the agreed amount or should I stop? I have attached their final letter to me. Please take a look and would appreciate your comments and advise. Once again thank you..Gum

Mint.pdf

[Gum]

Hi!

 

I CCA'd RBS and they provided a copy of CCA within the time frame specified. However, what they provided is my original application form and not the correct dual signed credit card agreement with the prescribed terms. I checked on the forum and compared with previous case studies and what they have provided is a application form with a load of photocpied agreements. I wrote to them advising that what they had sent was just an application form and the account is now in dispute.

 

RBS had mentioning that this was their final response and in their opinion the account is not in dispute. I have uploaded their letter. Kindly advise my next course of action. Much appreciated. Thank you..gum

RBS.pdf