CCA response letter- what now?

98jdougl

Got a letter today in response to my cca request and dont know what my response should be.
Iy has my name and address at the top but the wrong name where it says dear xxx

"thank you for your letter requesting a copy of your credit agreement for the above account. unfortunately we are unable to locate a copy of your executed agreement, but for your information we enclose a copy of the current agreement which aplies to this account"

the account was opened in dec '07 if that has any bearing on it.
What do i do from here?
thanks

stapeley

Was this applied for on line ? Makes all the differance .

98jdougl

i cant remember tbh, is a chance it was. I have a copy of the credit agreement in my folder of monies (the customer copy like) so I did have a credit agreement to sign.

stapeley

Tricky one , I would for now send off a default letter to them , saying they have failed to comply with your request and therefore the account is in dispute . They should therefore take not action until they can comply .

Broken_hearted

Sounds like you will have to pay as you don't know who is in the right, When you send the default letter they will point out your account isn't covered by that loophole.

98jdougl

is it because it may have been done online? Can you explain this point further for me?

stapeley

Broken_hearted wrote: »

Sounds like you will have to pay as you don't know who is in the right, When you send the default letter they will point out your account isn't covered by that loophole.

You say you are not sure , so just see what response you get . Gives you a little more time anyway .

98jdougl

Also, can someone post a linky to the default letter for me please.

thanks

fermi

The law changed in 2004/5 to allow credit agreements to be agreed and signed "electronically".

Furthermore, the Consumer Credit Act 1974 stated that a court should not make an enforcement order on a regulated debt unless an agreement signed by the debtor and containing certain "prescribed terms" exists.

The law was changed by the Consumer Credit Act 2006 so that this no longer applies to agreements taken out after 6th April 2007.

Broken_hearted

So it wouldn't be covered by a CCA request

Penny-Pincher!!

98jdougl wrote: »

i cant remember tbh, is a chance it was. I have a copy of the credit agreement in my folder of monies (the customer copy like) so I did have a credit agreement to sign.

If you have a copy of your CCA and know you signed one, why are you requesting a copy of it

I'm a little confused.....doesnt take much:o

PP
xx