We need your help folks! Re old T&Cs

[HSBCrusher]

I am looking for some old T&Cs (terms and conditions) please... does anybody have some hidden in a drawer or old cupboard?

 

Its quite important! :grin:

 

Thanks for your help.

 

Crusher :grin:

 

 

please email whatever you have (preferably pdf) to alan@consumeractiongroup.co.uk

 

 

we now have an address to send your T&Cs...

 

Consumer Action Group

PO Box 7481

Derby

DE1 0LE

[MARTIN3030]

Yes I am going to be spending my weekend looking in the Garden shed....the Attic and down the sofa !!!

Ask everyone you know.

Business owners...........we know you dont like to throw stuff away.....maybe amongst your old accounts you have some of these ?????

[HSBCrusher]

Bump!

[livelylad]

Bump bump.

[pinkduchess]

quite important????

 

Ive found these for HSBC - personal banking

 

1. Booklet Personal Banking terms & conditions - valid from Dec 2006

 

2. same as above - valid from Oct 2005

 

3. leaflet - changes to od charges and t&cs - valid from nov/dec 2004

 

 

let me know if you need them

[bally35]

Would it be possible for people to use this in their S.A.R - (Subject Access Request) by inclusion of

I would request that you also include information relating to all the terms and conditions that have been applicable to my account since (date).

 

I could be wrong but, if the bank are relying on the T&C argument, then you as a customer are within your rights to request that information, since it relates to the actual contract at any given point in time.

[HSBCrusher]

Indeed, you are correct.

But we are collecting these as some banks are likely to argue they have to provide data rather than information...

A database of T&Cs should help.

We must try and "cover all bases"

[cbrundle]

no doubt you have it, but have mailed you HSBC personal banking T & C's off their website, publish date 2006

[steven4064]

I have Nat West Business account T&Cs for 2001 and Cahoot Credit Card and Current A/C T&Cs from 2004 - do you want me to scan them?

 

Steven

[noomill060]

I have Barclaycard T&Cs dated November 2005.

[steven4064]

Just a thought. I have had a NatWest current account for 32 years and when I opened it they didn't make these charges, they certainly wren't in the T&Cs (not that I have a copy!). If they charge now, aren't THEY in breach of contract?

[photoman]

A message to the Mods.

 

I think this thread should be flashed up on the main home pages/ User CP's just like the flashing bit declaring the number of wins?

 

There must be many who have copies of T&C's that can be pooled into a library, but are maybe not even aware of this call for them ?

 

Any chance of doing this?

[HSBCrusher]

thanks photoman for the suggestion

Ill look into it

[monkeyboy65]

Oh the wonders of the internet. Check out Internet Archive: Wayback Machine. I've managed to track down various copies of A & L T&Cs and Rates and Charges tables going back to Oct 2001. Interestingly in Apr 06 their T&Cs had a section headed 'The Rates and Charges Information'. The current T&Cs from Apr 07 now shows 'Our Rates and Fees Information'

[terry1]

im going to go into my branck RBOS and ask them for a copy,

[HSBCrusher]

Interestingly in Apr 06 their T&Cs had a section headed 'The Rates and Charges Information'. The current T&Cs from Apr 07 now shows 'Our Rates and Fees Information'

lol.

 

I have had a look at that site, it's good.

Thanks for mentioning it... if it has a user's TCs then they can get it right away.

I'll post it somewhere prominent.

[steven4064]

In the suggested draft directions that we send under the new AQ strategy, doesn't the first item:

 

a) Pursuant to what contractual provision such charge was made, producing a copy of the contractual document relied upon;

 

mean that the bank has to produce a copy of the T&Cs that apply to our account and that applied at the time it was opened? Could we change the wording to make that absolutely clear?

 

This would mean that a repetition of the Lloyds case could only occur if the bank did not fulfil the requirements of the order, in which case they would lose by default anyway, provided of course that the DJ used this order or one like it.

 

Steven

[Jess68]

I will have a dig through this weekend, im a hoarder usually so hopefully they will be there

[laddie18]

Hi All,

Just managed to download IF t & c from 2005 (PDF if anyone is intersted). Had a quick glance thru it, there is no mention of any service costs just fees and charges. Is this a good thing?

I am trying to find the ones for when i opened the account in 2001 to see if they have changed much.

 

John

[matt_smith2000]

Its interesting to note that on RBS statements, any charge has the mnemonic CHG next to it, which, looking at the key means CHARGE.

 

Maybe this is a way of proving that these are in fact charges.

 

What do the actual statements say they are.

[dubliner10]

Hi guys,

 

And the thanks is to livelylad for providing the internet site that archived the pages but the T&Cs for First Direct are here

first direct legals - principal terms and conditions - relates to 2003

 

I managed to get 2001, 02, 03, 04, 05

 

Good luck...

 

And found the (hopefully) magic line........

 

5.1.3 states "You should not exceed any agreed overdraft limit unless you get our agreement first. "

 

Would that be because you would be breaching contract and be subject to a penalty charge if you do Mr. Direct...???

[matt_smith2000]

OK, I've got the latest RBS Ts & Cs

 

Section D.1.8

 

If you exceed the overdraft limit, charges will be payable as detailed in the promotional leaflet inserted relating to the account.

 

 

The insert goes on to say:

 

if you borrow more than your agreed overdraft limit, you will be liable for a maintenance charge applied monthly.......

 

 

There is also mention of paid referral charges, but then interestingly, unauthorised transactions becomes a fee, which applys to card misuse.

 

I can post these if you want, if you PM me an address.

[the main man]

If anyone needs them I have Capital one agreement?/T&C for cards after 29th March 2004. Posted on the CCA thread

 

Re: Consumer Credit Act Agreements

[TANZARELLI]

Great idea folks.

 

Anyone got T&C's from Barclays from around 1993?

 

Also HSBC from around start of 2001?

 

Barclaycard from 1996?

[TANZARELLI]