debtfreemummy v Mint (old card)

[debtfreemummy]

Hi all
I had a Mint credit card - which I settled last year, and am trying to get hold of copies of statements to see what they've charged me over the years!

I sent out an S.A.R on 1 May - and have had no response - so have just sent them an lba about them not responding. At the same time I also asked for a copy of the CCA.

I've just received a letter back from them (with my £1 cheque refunded) saying
"Your request for documents under the Consumer Credit Act contains some misconceptions about your entitlement to information in a specified form and our obligations to supply that information.
As you are aware, this account was fully repaid in April 2006 and therefore there is no active account agreement between RBS Mint credit cards and you with regards to the above account.
The Consumer Credit Act is for active agreements and therefore we are under no obligation to provide you with the requested documents as your obligations to us under the agreement has ended. I trust this clarifies the matter for you.
With regards to the data subject access report, I have forwarded your letter to the regulatory risk department who will respond to you accordingly"

Is that right? As the account was already settled should I not have asked for a CCA? Do I need to anything else now about that, or just wait to see if they reply to my SAR letter? Should I expect a similar letter from the other credit card I settled too - & have also sent an SAR/CCA to?

Thanks for any help
Sharon x

[Steward]

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[debtfreemummy]

Hi
Just wondering if anyone can help me with this query?

Is it right that they SHOULD still have a copy of my CCA to send out? (the card was only settled last year!)

Please help!
Thanks
Sharon x

[Kurt_Hamster]

I suppose it depends on how you asked for your old CCA.

If you just specifically asked for it on its own then I suppose what they say is correct, but if you asked for it as part of an S.A.R - (Subject access request) making a specific request that they include it with your other details then that's a different matter entirely.

[debtfreemummy]

Hi Kurt
I sent the original SAR but forgot to include about the CCA.

So when they didn't respond within the 40 days, I sent out an lba giving them another 7 days and then included my £1 cheque and asked for my CCA in the same letter.

Sharon

[dx100uk]

well TBH what point is there in you getting a copy of your agreement?
its paid off anyhow, so its not as if they are chasing you for a debt?
but i dont agree with what they say no, cheeky beggars!

dx100uk