A prior declaration is a document indicating the terms of the credit agreement that the creditor wishes to obtain with the consumer. The NCA`s ruthless credit rules are dealt with in Chapter 3 – Part D and apply only to consumers who are not legal persons. Existing customers who entered into credit agreements prior to the cancellation of the CAS are influenced by the CAS by a change in service charges. Some taxes that were common (for example. B pre-payment or management fees) cannot be collected under the CBA. When an existing customer changes a contract or requests other credits, they are subject to the NCA and an accessibility check is performed for the subsequent credit application. The NCA requires the bank to provide the consumer with a pre-contracted statement and an offer before entering into a credit agreement. . . .