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New CCA 1974?


lively1996
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Hi

 

I has a credit card pre 19th May 1985 used the credit card paid off the debt and told the company i no longer wanted a card at that time. Ten years later I asked the bank if I could have another card. This application was made over the telephone they asked me several questions over the phone and then sent the card to my address.

 

My question is should i have signed another CCA agreement after the ten year lapse.

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Yes...

 

Although, did they use the same account number.

 

When the original card was paid up.. did you definitely cancel it ?

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I'm not sure whether I put the cancellation in writing or whether I told them at the branch.

 

I'm not sure about the account number being the same at the second time of issue. After the second time of issue the card was changed from Visa to mastercard. A new card and number was issued.

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IMHO, then yes, you should have had a new agreement. Visa and Mastercard had different t&cs I think in any case.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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