Obtaining copies of historic credit agreements

[Fred_Funk]

I'm about to submit FOS questionnaires pertaining to a couple very old credit card accounts.

 

I believe the PPI associated with each of these cards was mis-sold for a number of reasons. At the same time, I signed up for both these cards 20-odd years ago and, that being the case, my recollection of exactly what happened is a little bit hazy. With that in mind, I have sent off Subject Access Requests in the hope that it might shed a little more light on proceedings before I complete the questionnaires.

 

I appreciate these are unlikely to yield a copies, even reconstituted ones, of my original credit agreements. However, I understand that under sections 77, 78 & 79 of the Consumer Credit Act 1974 a borrower can demand a copy of their credit agreement. What I am unable to ascertain – and would, therefore, appreciate some clarity on – is whether this applies when the agreement has been paid off some considerable time ago, ie more than six years.

 

Moreover, if the aforementioned legislation doesn't entitle me to obtain a copy of such credit agreements, can anyone suggest an alternative mechanism via which I may be able to obtain copies of them?

 

Thanks in anticipation

Fred_Funk

[caro]

Not applicable if "an agreement under which no sum is, or will or may become, payable by the debtor".

 

If it's over 6 years ago they don't have to keep it and I can't see any other way of you getting it unless they've broken the Data Protection Act!!

[dx100uk]

name the creditors.....

however if you paid ppi that will show in the statements anyway.

but...

might be a non advised sale anyway

 

 

how did you sign up?

dx