4th April 2009, 14:28
| #1 (permalink) |
| Basic Account Holder |  Bignick and Cahoot Credit Card Last month I CCA'd Cahoot regarding my credit card and all they sent me was a copy of the signed form with T&Cs, all on 2 sides. I will scan and post this soon. Are they required to send statements too or do I need to Subject access request  them? |
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4th April 2009, 14:30
| #2 (permalink) | |
| Site Team  I am in: Edinburgh
Posts: 13,011
  | Re: Bignick and Cahoot Credit Card Quote:
them.Regards. Scott.
__________________ Any advice I give is honest and in good faith.  If in doubt, you should seek the opinion of a Qualified Professional. If you can, please donate to this site. Help keep it up and active, helping people like you. Bank of Scotland ( Business Account ) Small Claim. Total: £1,027.70 Settled in Full.(October 2006) Capital One Bank (Europe) plc Summary Cause Claim. Total : £1,111,94: Settled in Full. (February 2007) Bank of Scotland (Business Account) Summary Cause. Total: £1,051.60. Settled in Full (April 2007) Bank of Scotland (Business Account) FOS Claim. Total: £4,945.00. Settled in Full (March 2008. | |
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10th April 2009, 09:18
| #4 (permalink) |
| Basic Account Holder  | Re: Bignick and Cahoot Credit Card Assuming it has your signature on it that you have blanked out, that looks enforceable to me - it has all of the prescribed terms on it.However, agreements are not the area in which I have been concentrating - I seem to be more of a notice kinda guy. I am sure someone stronger on agreements will confirm or correct what I think. |
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10th April 2009, 10:24
| #5 (permalink) |
| Classic Account Holder  Watch out, there are Claims Touts about! Cagger since : Oct 2008 I am in: Hastings!! :)
Posts: 2,485
| Re: Bignick and Cahoot Credit Card I agree with Viscount Star - it looks enforceable to me. However, this is under the assumption that these 2 documents would be front and back. The only way you would find that out though, would be in court...... |
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11th April 2009, 23:36
| #7 (permalink) |
| Basic Account Holder | Re: Bignick and Cahoot Credit Card That's OK, I was rather expecting that to be honest. Think I will go through the statements instead and look for any unfair charges but I think that might be some years back. Isn't there a time limit on how far back you can claim? |
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11th April 2009, 23:41
| #8 (permalink) |
| Site Team | Re: Bignick and Cahoot Credit Card
__________________ Any advice I give is honest and in good faith. If in doubt, you should seek the opinion of a Qualified Professional. If you can, please donate to this site. Help keep it up and active, helping people like you. Bank of Scotland ( Business Account ) Small Claim. Total: £1,027.70 Settled in Full.(October 2006) Capital One Bank (Europe) plc Summary Cause Claim. Total : £1,111,94: Settled in Full. (February 2007) Bank of Scotland (Business Account) Summary Cause. Total: £1,051.60. Settled in Full (April 2007) Bank of Scotland (Business Account) FOS Claim. Total: £4,945.00. Settled in Full (March 2008. |
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14th April 2009, 22:04
| #9 (permalink) |
| Basic Account Holder | Re: Bignick and Cahoot Credit Card I have one query. It states The interest rate for purchases, transferred balances, and cash advances is a monthly rate of 0.2871%.The APR for cash advances is 7.9% (variable). The APR for purchases and balance transfers is 6.3% (variable). If the interest rates are the same for all three, how can the APRs be different? Is it due to the handling fee for cash advances? |
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