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Clydesdale Banks Current Account CCA 1974 - Urgent


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I am up in court with clydesdale soon. I am taking them to task for failing to comply with section 7 of the DPA 1998. Anyway I have a daft but important question.

 

If a person joins the bank at age 16 and the bank upgrades the account automatically at age 18 to an adult account allowing it to go overdrawn without having a meeting of the minds and subsequently the signing of a new credit agreement then is the account ligitimate.

 

My understanding is that an account that allows you to go overdrawn is a credit facility and that someone under the age of 18 would not be able to sign up for it.

 

Furthermore, upgrading of this account without a new agreement would be an agreement without meeting of the minds wouldnt it and therefore unenforceable?

 

I cant get clarity around the CCA and current accounts. Whats the script with this. Does it or does it not apply to current accounts.

 

I need this urgently because we are in court very soon.

 

Cheers in advance.

 

Martin

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