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Hello,
I have requested from IDEM my CCA, initially they said they could not find it, so i stopped making payments, they have since sent me an application for the cards i took out, dated 1993 with my signature on it, and what appears to be a generic copy of a CCA listing terms and conditions, however it has a newer address on this(not the one at time of application) and it states term such as a £12 charge if i go over my credit limit, which i did do in the past but was actually charged £25/£35 ( i belive the lower charge of £12 came in around 2006) therefore what i really want to know is this classed as a valid CCA or are they trying it on?
I have requested from IDEM my CCA, initially they said they could not find it, so i stopped making payments, they have since sent me an application for the cards i took out, dated 1993 with my signature on it, and what appears to be a generic copy of a CCA listing terms and conditions, however it has a newer address on this(not the one at time of application) and it states term such as a £12 charge if i go over my credit limit, which i did do in the past but was actually charged £25/£35 ( i belive the lower charge of £12 came in around 2006) therefore what i really want to know is this classed as a valid CCA or are they trying it on?