CCA received from natwest

chess321

Hi all,

I was wondering if anyone could advise me. A few weeks back I requested from Natwest the CCA for a credit card issued in 2006, they duly obliged with the following response.

“Your Written request for information was made under sector 78(1) of the consumer credit act (CCA) we are obliged to provide you with a “true” copy of the credit agreement and a statement of financial information relating to the account namely, the state of the account , amount currently due with amounts and due dates of future payments that are still required to be made. In terms of CCA copy document regulation the “true” copy requirement can be satisfied by providing a copy agreement at the date the card agreement was made and providing a copy of the current terms of the card agreement”

Is the above correct? The cca agreement is a copy of my application form with a reference that the credit limit would be set at a later date, it contains payment terms, it does seem to contain “T&C” for which it seems genuine


It does however contain only my signature but not the bank’s responsible person?

Does the above sound as if it is a genuine CCA copy or they just sent an application form type of agreement?

If someone could advise.

Thanks

sourcrates

From 2006 a recon agreement must show the prescribed terms and the T's & C's applicable at the time, not the current ones.

Yours may fall down on that score, run it past Legal Beagles or another website that's all about debt dot com.