Where can I get old Terms and Conditions details?

Skeletor

chrissieo wrote: »

Hi

I m desperately trying to find a copy of T&Cs for Allaince & Leicester credit card circa 2003 (or there abouts). Can anyone hlep. I Ihave tried using the archieve website but not having much luck.

Chrissie

Ask Alliance & Leicester for them.

chrissieo

Skeletor wrote: »

Ask Alliance & Leicester for them.

I have already asked A&L (MBNA) for them but they can apparently only supply the current ones which were changed to try and circumnavigate the penalty/charge issue as far as I know.

Chrissie

Skeletor

chrissieo wrote: »

I have already asked A&L (MBNA) for them but they can apparently only supply the current ones which were changed to try and circumnavigate the penalty/charge issue as far as I know.

Chrissie

Do you have this in writing? I'm sure it wouldn't look good in the eyes of the court if they have said they are unable to supply you with them. Furthermore how can they be defending their fees as lawful when the T&Cs under which they were charged are not available? As said earlier in this thread this sounds like a win-win situation for you.

LozBingley

Why not just ask the bank to provide you with a copy of the terms and conditions that you signed that detail that you agreed to the value of the charge!

I don't ever recall signing any terms and details that quoted how much the charge's were. The wording is more likely to have said that you agree to the charges as published by them, hence the responsibility to provide the information is placed back on them as publishers and owners of the terms, conditions, and rates applied.

Also why not try asking them to provide technical information as to what headings (field names within the system and screen shots of the charge editing screen) are used on their computer systems for the charges! I swear to it that they were always displayed on screen and referred to as "penalties" when I worked for Barclays, Bradford & Bingley, and Yorkshire Building Society!

Is there not a standard repository for this charge information? Shouldn't the Financial Ombudsman hold historical data on this?

leanne22

hi iam looking for the terms and cons for my acount one for 6 years ago and one for 3 years ago

can anyone help

katscash

has any one got a skycard terms and conditions from 2005 please:money:

lindilou39

LozBingley wrote: »

Why not just ask the bank to provide you with a copy of the terms and conditions that you signed that detail that you agreed to the value of the charge!

I don't ever recall signing any terms and details that quoted how much the charge's were. The wording is more likely to have said that you agree to the charges as published by them, hence the responsibility to provide the information is placed back on them as publishers and owners of the terms, conditions, and rates applied.

Also why not try asking them to provide technical information as to what headings (field names within the system and screen shots of the charge editing screen) are used on their computer systems for the charges! I swear to it that they were always displayed on screen and referred to as "penalties" when I worked for Barclays, Bradford & Bingley, and Yorkshire Building Society!

Is there not a standard repository for this charge information? Shouldn't the Financial Ombudsman hold historical data on this?

Good point there Loz because when I opened my account in 1995 with 'then' TSB I think I only ever signed to T&C,s on applictation...Like yourself I dont remember requesting/signing any contract that says that LloydsTsb can exceed my overdraft limit, luckily I have actually got statements where it clearly shows that LTSB charges actually pushed me into unauthorised borrowing.

Lin

alonso

Skeletor wrote: »

Thanks again Kurt. Does this sound like a reasonable request? Obviously I have little legal knowledge.

XXXX XXXX
Cobbetts LLP
Ship Canal House
King Street
Manchester
M2 4WB


Dear XXXXXX,

Claim no: XXXXXXX
Your ref: XXX/XXXXXXX-XXXX

Account Name: XXXX XXXX
Account number: XXXXXXXX
Sort Code: XXXXXX

I am writing to request that the Defendant, National Westminster Bank Plc, provides all the Terms and Conditions under which the above bank account was subject to between October 2002 and November 2006. This information is necessary to allow the Claimant to identify which clauses were applied in charging the Claimant’s bank account which the Claimant contests as unlawful.


Yours sincerely


XXXXXXXXXX

Has anyone tried this with Abbey with any luck. Abbey have acknowledged and have 28 days to submit their defence. Should I request a copy of the T& cons for the year 2000 (when the acc was open) to start preparing my court bundle/evidence material?

alonso

/\/\ Bumpy Bump /\ /\

davidscot

I have been fighting for my daughter to reclaim the charges made against her Bank of Scotland account and would like some help please.
She got her statement of charges and wrote the template letter from here regards her getting them refunded but she has been refused any repayment.
Part of the banks reply reads and I quote 'When you opened your account, you agreed to our terms and conditions which explained that charges would be applied if you did not keep to the terms of the account'
Does this mean she is not eligible for repayments as she has not read the small print of her account (who does?) or is this just a standard letter that the banks are sending out to try to stop people pursuing repayments?
Is it worth following this up with the Financial Ombudsman, any help appreciated thanks.