Help with BoS Preference Account Please

[sarahld]

Sorry to use reply to thread, but not sure how to post a new thread and I would like some help with BOS preference account please.

Thanks Sarah

[Abby25]

Whats the issues Sarah ?

[sarahld]

Hi,

Am new to the site, so please bear with me.

I have recently sent a CCA request for a BOS preference account and have received a signed CCA for a loan I had in 1999. I remember paying off the loan and at some later stage think I was offered the preference account, but cannot remember when. Am I right in thinking that the signed loan agreement does not apply to this preference account, should I send a SAR to see if they are linked?

 

Thanks Sarah

[havinastella]

Thread moved to correct forum

[sarahld]

Hi Abby,

I have recently sent a CCA request for a Bank of Scotland preference account and have received a signed CCA for a loan I had in 1999. I remember paying off the loan and at some later stage think I was offered the preference account, but cannot remember when. Am I right in thinking that the signed loan agreement does not apply to this preference account, should I send a sar to see if they are linked?

 

Thanks Sarah

[Abby25]

Hi,

 

If there is no reference to the preference account on the docs they have sent you, and this clearly only relates to the car finance (which is the same way I got mine if you read through my posts on this ), then they have clearly failed to satisfy your CCA request, in respect of the pref account.

 

Write back and tell them so, they have already recd your £1 for a copy of CCA in respect of the pref account, so no need to send another, or indeed SAR them at this point (which is a £10 fee). You advise them that the account is officially in dispute, until they satifsy you request regarding the Preference Account held.

 

Now, they may well try the old "this is an overdraft facility and as such is a bank account, which don't have CCAs, and are neither regulted by the CCA74", if you have had a good read through my BOS posts regading my own account (and others), you will see that this is total carp - but we'll deal with that if they also try it on with you.

 

In the meantime, get a copy of your credit record (sign up for the free 30day trial and then cancel, try experian, or "check my file" - who hold the records of experian, equifax and callcredit" - look to see what they have registered the account as with the CRAs. If they are true to form it will be a credit card - if so - ibingo we have them.

 

Hope this helps ... shout for more guidance if needed !

 

Abs x

[sarahld]

Hi Abs,

 

Many thanks for your reply, I've had another look at the cca they have sent me and the agreement seems to be half a page for the AA loan and half the page for AA Account, shall I upload a copy as the loan side has the following in the signature box 'this is a credit agreement regulated by the Consumer Credit Act 1974 but the AA account has no reference to this at all, although there is a signature and date from me there is only a signature on behalf of capital bank but no date.

Many thanks

Sarah

[sarahld]

Sorry, forgot to mention they returned my £1 postal order.

[ims21]

Sarah

 

I've created a new thread for you and merged the other thread you started on this issue. Please just stick to this one thread for the BoS issue.

 

Thread also moved to correct forum

[Abby25]

Hi Sarah ... I sort of lost this when it was moved .... do you still need help ?

[sarahld]

yes please, but I don't know where to post as thread was moved.

[ims21]

yes please, but I don't know where to post as thread was moved.

 

You have just posted on your thread so carry on posting your questions here

[Abby25]

Whats the probs Sarah ?

[sarahld]

Many thanks

 

Hi Abs,

 

Many thanks for your reply, I've had another look at the cca they have sent me and the agreement seems to be half a page for the AA loan and half the page for AA Account, shall I upload a copy as the loan side has the following in the box 'this is a credit agreement regulated by the Consumer Credit Act 1974 but the AA account has no reference to this at all, although there is a signature and date from me there is only a signature on behalf of capital bank but no date.

I must have signed for it the same time I took out my loan, I have never had a card for the prefence account but used to have a cheque book.

Sarah

[Abby25]

Yes please Sarah, upload (remember to take out/obscure any personal details). xx

[sarahld]

can I upload a pdf document?

[Abby25]

Yep .... go onto quick reply, and select go advanced. Where you will see a little after the text box, the option to manage attachments.

 

Or load it under photobucket and post the URL link to it.

 

Abs

 

 

[sarahld]

will change and re-post

Edited August 26, 2012 by sarahld

[Abby25]

Firstly .... please take your attachment off view, and edit as all your personal details are on there !!

[Abby25]

Secondly, did you receive updated T&Cs in March 2009 re the preference account ? And what is the account shown as on your credit reports ?

[maroondevo52]

Hi, sarahld.

 

I've unapproved your attatchments, please remove all personal details and re-post.

 

Thanks.

 

Scott.