RBS Credit card CCA return from Cabot.

[badguitarman]

re:

https://www.consumeractiongroup.co.uk/topic/417497-ive-been-with-gregory-pennington-for-10-yrs-should-i-leave/

 

I've had the response from cabot..

syaing they have now found the cca..

but mention something about it may be reconstituted?

 

I've posted them up here

 

..any thoughts anyone ?

 

 

 

 

cabot.pdf

[dx100uk]

does the general conditions have you name and address on them?

did you refinance 2 cards to this 0% one as per the docs?

and this was in 2010 so if you opened the DWP 10+ yrs ago was this added to the plan at a later date or was the card taken out earlier than 2010?

 

 

[badguitarman]

Im not sure about the general conditions, but they did quote my name and address at that time on the agreement with Rbs.

 

I can't remember about 2 cards going onto this one ..I think this was a backup card for emergencies but I can't remember.

 

as for when it was taken out I'm not sure it must have been when they say but It was added to the original dmp.

as the amp didn't get in place till oct 2010.....its a long time ago 

 

the only docs I have are in the pdf attached above !

 

 

[dx100uk]

what im saying is the T&C must contain your name and address

they don't?

 

the agreement looks ok to me

but it refers to external T&C's and I don't think they are the ones you got.

just something from the DCA's filling cabinet

though stuff post 2007 changes are difficult to comment upon. 

[badguitarman]

oh right..

.so even though they say its enforceable and they can get a CCJ against me...it may not be?

Should I ignore them or do I just admit defeat...and pay up...

your help is invaluable thanks 

[dx100uk]

there is a big difference between being considered enforceable under the consumer credit act [though any DCA weill say that whatever they send], with it being enforceable in a court of law.

 

you need to get reading up

you've been here long enough to have at least start to read other like threads in this forum or the debt self help one.

 

a dca is not a bailiff

and have

zero legal powers

 

they'd also have to use one of their tame solicitors to issue a letter of claim first.

 

dx

 

[badguitarman]

Thanks..

 

ill get re reading ..I did do a lot of research initially but got lazy

 

ill wait for the letter of claim