So the games begin

[winner12]

Re: So the games begin

Hi FP
Thanks for all your help not done this before so a bit green as to what happens next

[winner12]

Re: So the games begin

UPDATE
Hi all got a reply from Shoosmiths enclosed with there statement of compliance they have enclosed the original credit agreement and about 12 pages of terms and conditions .
My question is its a copy of the original application form and a photocopy of financial related conditions plus the 12 pages approx of terms and conditions
what should i do now
I have been through the Financial and related conditions with a magnifying glass its barely readable but the interest rates dont match the other 6 pages of terms and conditions they sent too which make me think the 6 pages are current terms and conditions as the the interest rates are 34.9% on one set of terms and conditions and 15.5 % on the other hope this makes sense need a bit of help

[CleverClogs]

Re: So the games begin

First of all, you might wish to look at the Consumer Credit (Agreements) Regulations 1983 and, in particular, Regulation 6(2) - link.
If the alleged agreement was not clearly legible, then they have not complied with your request.

Secondly, do the numbers of the sections in either set of terms and conditions match any references you can read in the alleged agreement?

[winner12]

Re: So the games begin

Hi cleverclogs
All i have is the application form and a a photocopy of platinum plus the new standard with a thick black line around it and a tiny thin column of financial related conditions then a load of photocopy pages 4 pages are terms and conditions with MB12/98 on the bottom 6 pages of credit card agreement regulated by the consumer credit act 1974 with MBNA address but with my current address not the one I lived at when i originally applied
Just feels wrong thats all
Any input would be much appreciated

[winner12]

Re: So the games begin

Just BUMPING

[CleverClogs]

Re: So the games begin

Without seeing a redacted version of the tat they sent, it is difficult to say.

It does sound rather like a poor reconstitution which may not necessarily match.

[winner12]

Re: So the games begin

Thanks Cleverclogs
So whats the best approach now then