Cabot/wescot - Is this RBS credit card agreement enforceable.

[inittowinit]

My wife has been paying £4 since 2011 towards a debt allegedly due to a RBS credit card from 2004.

 

She has recently retired so we were looking at all our outgoings and noticed this. We queried it with Westcot who sent the attached paperwork and interestingly said it covered two agreements we had been paying token amounts to them for.

 

Clearly that can't be true, but now the query has been passed back to Cabot who apparently 'own' the debt. They resent the identical paperwork and are of the opinion its a valid agreement.

 

I'm not sure it is as there are no references to an agreement or card number, credit limit, or in fact anything that could tie it to an actual agreement.

 

What should be my next step please?

 

RBS CC agreement 2001.pdf

[dx100uk]

thread tidied

sorry you got missed

 

is that one page all they sent?

 

if so its meaningless bogroll

 

 

stop payments if this is the case

and sit on your hands until or unless you ever get a letter of claim

then we'll deal with them properly.

 

dx

 

[inittowinit]

Thanks for your reply DX, Yes, thats all they have other than a print out of another sheet tagged on with my wifes details.

 

Good job they had that otherwise they woudn't have a clue who's the agreement was, lol.

 

I had a nice chat with the lady at Cabot today after a series of letters to and fro where they maintained it was a legal agreement.

 

When I mentioned it had no name, address, agreement number or even the creditors address, she said they can reconstitute the agreement.

 

She tried to say also that it was valid because thats all the original  creditor had sent them.

 

My point was that the the original creditor had sent them an invalid legal document.

 

All ended with her agreeing to put the account on hold for 60 days whilst she looked into my point of view.

 

I could do with something to push in front of them to accurately indicate what "MUST' be contained within the document.

 

I did mention that i had a complete agreement for another card in my name that did contain all the correct info and if, as she was maintaining, it wasn't required, then why have it on there?

 

I concur, it appears to be worthless.

[dx100uk]

Never ever ring a powerless DCA

They lie!!

 

And they make you give away your defence should they ever go to court 

 

Never ever do that again!!

 

Writing only 

 

You've now given them time to go away and fake documents up and counter your defence 

 

Dx

[inittowinit]

Ooops!