Co-op Smile Credit Card PPi Reclaim -no trace of credit agreement

smile_ppi

Hi,

Im new to the forum and hoping for a bit of advice.

I took out a credit card with Smile (coop) back in 1999.

I wrote to them the other week when I discovered I was paying ppi requesting a copy of my credit agreement and also terms and conditions.

Today I received a response which included a statement confirming that I am paying PPI.

However they also said that they cannot find any trace of my credit agreement.

Unsure as to what to do next. I cannot recall if I took the credit card out by completing online application form and if the box was pre-ticked or not. Also if they cann;t locate a credit agreement can they enforce the outstanding debt?

Many thanks :-)

[Deleted User]

smile_ppi wrote: »

Hi,

Today I received a response which included a statement confirming that I am paying PPI.

However they also said that they cannot find any trace of my credit agreement.

Credit agreements are not available for closed accounts, but you don't need the agreement in order to complain.

What you need are valid and (preferably) verifiable mis-selling complaint reasons.
Do you have these? If so, then make a complaint!

-taff

smile_ppi wrote: »

Also if they cann;t locate a credit agreement can they enforce the outstanding debt

depends whether it's statute barred. If you do complain and are successful they can take any redress of any outstanding amounts or amounts written off first.