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cap one application form not cca.

mrs average

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I sent cap one a request for a cca and have given them the 12+2 days then the 30 days and have recieved from them this morning a copy of my application form. Am i right in thinking that this is not a cca and what is my next move now.

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Hi and welcome,


An application form can be an agreement so long as it has the prescribed terms within that document.


The easiest way to be sure is to post it on the forum and let us rip it to pieces (make sure you obscure all personal info)


In the meantime, an agreement has to have the


Credit limit or a statment saying one will be set

Repayment terms

Cancellation rights


If any are missing, send them letter 9 from here:


The Consumer Forums - Debt collectors


How old is the account?

Did you have PPI on the account?

Any late charges?

Is the account with the in-house DCA or has it been sold

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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