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The law and T&C's


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I dont quite understand your question. However, I believe the T&Cs supplied are to be those that were in force at the time the contract was made. Although they can supply T&cs from the current time as well.

HTH.

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I think what DBY is asking is "does the creditor have to supply the relevant Ts and Cs in force at the time the agreement was signed? and if so, where is that requirement enshrined?"

 

I too am interested to know this, as the Ts and Cs do not appear to form part of the "prescribed terms" under the CCA.

 

In response to citizenB, surely the current Ts and Cs are relevant only to those about to enter into a credit agreement with a lender?

 

:-|

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Aha, I understand now. However, I do not know the answer to your question. From reading the threads, all I can see is companies sending current T&C's, with very few of them having those relevant at the time to send anyway.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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