We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

Blank CCA received

Hi, I have written to Redcats requesting a copy of my signed CCA. They have written back enclosing a copy of an unsigned agreement and copies of statements with them. They say that this satisfies the requirements of Section 77-78 of the Consumer Credit Act 1974 in regard to supplying a copy of agreement and account statements. Does anybody know if this is correct and if not how do I go about asking for a signed one? Thanks

Comments

  • RAS
    RAS Posts: 36,515 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    When was the debt taken out?
    If you've have not made a mistake, you've made nothing
  • I opened up catalogue accounts at various times with the most recent being approx 3 years ago. I stopped being able to afford to pay it a few months ago along with 3 other catalogues- I made offers of reduced payments but they would not accept and it has been stalemate since with them passing on to debt collection agencys.
  • RAS
    RAS Posts: 36,515 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    OK

    I think these are OK. After April 2007, the rules changed.

    have to go. Will be back
    If you've have not made a mistake, you've made nothing
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 354K Banking & Borrowing
  • 254.3K Reduce Debt & Boost Income
  • 455.3K Spending & Discounts
  • 247K Work, Benefits & Business
  • 603.6K Mortgages, Homes & Bills
  • 178.3K Life & Family
  • 261.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.