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Re: Alland UE Diary
Hi Niddy,
I can confirm in response to my CCA request last March, I received 10 pages of T&C, Although page 1 was headed-
"Credit Card Agreement Regulated by the Consumer Credit Act 1974"
This agreement is between us - Citi Financail Europe plc And you - Mr Alland, of Address (it then shows my current address and not the address I lived at when I took out the card in 1999)
So obviously a re-contructed set T&C because when I opened this account it was with Peoples Bank, Citi Financial only came on the scene later, they must have bought the Peoples Bank credit card accounts, it's that long ago, I can't recall the change over date.
The other 9 pages set out the T&C, no application form was included, signed or otherwise, but there must have been one at the time I opened the account, as I have never applied for any credit cards on line, they were always by filling out a paper application form.
After my refusal to accept the T&C as a CCA agreement, Citi then followed up with a letter in May of last year, which stated - Please note, clarified by judge Waksman in "Carey v HSBC (2009), we are only obliged to supply a true copy of your agreement, and have fully complied with your request, and you are not entitled to any further documents.
Since then I have had the usual back & forth of letters from a few other DCA's which did not come to anything, well not up to now, but as Cabot have actually bought the account, I don't think they will be quite so easy to see off !
I can confirm I still have the cheque stub from my original £1.00 CCA request and the Post Office "signed for" receipt
Hi Niddy,
I can confirm in response to my CCA request last March, I received 10 pages of T&C, Although page 1 was headed-
"Credit Card Agreement Regulated by the Consumer Credit Act 1974"
This agreement is between us - Citi Financail Europe plc And you - Mr Alland, of Address (it then shows my current address and not the address I lived at when I took out the card in 1999)
So obviously a re-contructed set T&C because when I opened this account it was with Peoples Bank, Citi Financial only came on the scene later, they must have bought the Peoples Bank credit card accounts, it's that long ago, I can't recall the change over date.
The other 9 pages set out the T&C, no application form was included, signed or otherwise, but there must have been one at the time I opened the account, as I have never applied for any credit cards on line, they were always by filling out a paper application form.
After my refusal to accept the T&C as a CCA agreement, Citi then followed up with a letter in May of last year, which stated - Please note, clarified by judge Waksman in "Carey v HSBC (2009), we are only obliged to supply a true copy of your agreement, and have fully complied with your request, and you are not entitled to any further documents.
Since then I have had the usual back & forth of letters from a few other DCA's which did not come to anything, well not up to now, but as Cabot have actually bought the account, I don't think they will be quite so easy to see off !
I can confirm I still have the cheque stub from my original £1.00 CCA request and the Post Office "signed for" receipt
But I won't be reminding them about it any time soon...
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