I accidentally strayed over my credit limit on my Tesco's Credit card last month. I have since brought the account back up-to-date. I fully expected there to be a charge applied to the account, was found that they took it without notifying it.
My understanding of the CCA is that credit providers have to issue you with a minimum of 28 days notice in writing of a charge being taken from your account. The letter I got was dated on the day the charge was taken. I accept fully that the charge was valid and should have been taken, my grievance was that I wasn't given the required notice. Am I right? If so, would I have a leg to stand on to say that the T's & C's of the credit agreement have been broken (or even that they are contravening the CCA)?
My understanding of the CCA is that credit providers have to issue you with a minimum of 28 days notice in writing of a charge being taken from your account. The letter I got was dated on the day the charge was taken. I accept fully that the charge was valid and should have been taken, my grievance was that I wasn't given the required notice. Am I right? If so, would I have a leg to stand on to say that the T's & C's of the credit agreement have been broken (or even that they are contravening the CCA)?
