Disputing debt to capquest

DAVEB71

Ha ha cheers mate, nearly put my foot through the screen, there is in addition to these sent today a seperate standard set of t&c's and a 5 page basic print out statement from capquest

king100

I don't think it is valid, no specific APR mentioned and no credit limit also, can you scan the others, don't need need statements, just the other terms and conditions.

nottoolate

apr/interest and how they will detemine the credit limit are specified in the second of those scaned documents

the first one clearly states.

By signing this agreement, you confirm that: ****** you have read and agree to the Sky Card terms and conditions

so that is a clear link between the application form and any aditional terms and conditions, making them one document/agreement under the act.

question is. are those the correct terms and conditions that aplied to the acount?

DAVEB71

nottolate what do you mean by are those the correct terms and conditions that applied to the account, I will scan and post the seperate t&c's and pm you king100 if ok so you can post them, many thanks everyone

nottoolate

mnay banks didn't keep proper copies of the terms and conditions that they issued at the time

so now when the get a cca rrquest they have to supply a reconstituted copy from their records of what they would have been rather than a scan or direct copy of the original

sometimes they get this wrong and don't supply a version that matches up with what the original terms and conditions were or just supply the current ones.

to fully comply with a cca request they must supply the original agreement and any linked terms and conditions (reconstituted if needed) and copies of any variations to those terms and conditions that were applied during the life of the account

so the question is have they complied with all that?

are those the original terms and conditions? reconstituted from records is ok. they don't need to be a direct scan

or are they the current or varied t&cs?

it can get very complicated, so need to see everything they sent

DAVEB71

just been advised on CAG to SAR them, is there a template on here for that as it wont let me copy and paste off CAGS even though a member??

DAVEB71

nottolate I can send you everything later if I can pm you as the site wont let me post yet, is that ok, cheers mate

DAVEB71

regarding the SAR I did put in for the missold PPI on the sky card a while ago and think I got something back, not sure maybe I didnt, as I successfully claimed back on a couple of cards and on bank charges, does this affect me sending a SAR to them regarding this debt, or would this be something else ?

king100

nottoolate wrote: »

apr/interest and how they will detemine the credit limit are specified in the second of those scaned documents

the first one clearly states.

By signing this agreement, you confirm that: ****** you have read and agree to the Sky Card terms and conditions

so that is a clear link between the application form and any aditional terms and conditions, making them one document/agreement under the act.

question is. are those the correct terms and conditions that aplied to the acount?

for it to be valid it needs to have the correct APR and credit limit, this document has neither, if it does please point it out to me?

they also need to state that this is not the original agreement.

king100

Please read 3.1 it states to use the table below for your APR, well which one is it, this hasent told me what my apr is, it could be between 11.9% and 24.9%!!!!

Please also read 4.1 My credit limit, no mention of what my credit limit is at all just that I will be told at a later date.