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I'm about to submit FOS questionnaires pertaining to a couple very old credit card accounts.

 

I believe the PPI associated with each of these cards was mis-sold for a number of reasons. At the same time, I signed up for both these cards 20-odd years ago and, that being the case, my recollection of exactly what happened is a little bit hazy. With that in mind, I have sent off Subject Access Requests in the hope that it might shed a little more light on proceedings before I complete the questionnaires.

 

I appreciate these are unlikely to yield a copies, even reconstituted ones, of my original credit agreements. However, I understand that under sections 77, 78 & 79 of the Consumer Credit Act 1974 a borrower can demand a copy of their credit agreement. What I am unable to ascertain – and would, therefore, appreciate some clarity on – is whether this applies when the agreement has been paid off some considerable time ago, ie more than six years.

 

Moreover, if the aforementioned legislation doesn't entitle me to obtain a copy of such credit agreements, can anyone suggest an alternative mechanism via which I may be able to obtain copies of them?

 

Thanks in anticipation

Fred_Funk

NatWest: seeking unlawful charges + interest incurred as a result of those charges of £4,292.82 and contractual interest (compounded) of £4,559.41. Court claim issued 16.01.08; acknowledgement of service filled by Cobbetts on 30.01.08

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Not applicable if "an agreement under which no sum is, or will or may become, payable by the debtor".

 

If it's over 6 years ago they don't have to keep it and I can't see any other way of you getting it unless they've broken the Data Protection Act!!

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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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name the creditors.....

however if you paid ppi that will show in the statements anyway.

but...

might be a non advised sale anyway

 

 

how did you sign up?

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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