Blades if you have been sent this under a section 78 request the document is incomplete- it is called a schedule and refers to terms and conditions overleaf
Peter, you refer to a main account with main account conditions separate to this so called overdraft agreement However there is no main account with this. There is no current account with it and it is not sold as such This suggests to me that the provisions of section 74 exempting it from part V of the Act could be argued as not being applicable
Defaults under it are not referred to as current account defaults but as store card/running account defaults reflecting that this is not a current account
However, the account conditions are written in such a way that it is possible for them to be exempt from section 127(3) They contain all of the prescribed terms under the 1983 regulations schedule 6 when combined with a date of agreement.
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