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CCA Letter fron Next Directory
wherestheend
Posts: 42 Forumite
Hi
I have sent the CCA letter to next directory and got a reply today the last day they had, I am a bit unsure of the reply as they have not sent me a signed copy of my agreement but they state they do not have to. They have just sent me a photo copy of terms dated 31/01/1995 I have posted the letter below. Can anybody help with what I should do next or if this is correct.
The Next Directory letter reads
We have previously supplied you with or please find attached a true copy of the credit agreement. We are satisfied that this meets with out obligations under section 78 of the Consumer Credit Act.
By way of explanation, under Section 78 of the Consumer Credit Act, Next must supply any customer with a True Copy of their credit agreement upon request. For the purpose of section 78 a, a True Copy need not be an exact copy or photocopy, as long as it contains every material provision of the agreement signed. This means that it does not need to have non-statutory information which was included for the own creditor's benefit or signed boxes. Therefore Next are not required to provide you with a signed copy of the agreement and this is made clear in section 3(2) of the consumer credit (cancellation notices and copies documents) Regulations. We are required to provide you with a true copy and a true copy is enclosed.
In light of this, and in the absence of any evidence to suggest that you did not order and/or receive the goods delivered, Next will continue to seek payment of the balance of £1168.47 owed by you. It is noted that you have neither denied ordering or receiving Next Goods.
A default entry will therefore be made on the credit reference file, which may affect the ability to obtain credit in the future. Making payment to clear the balance will enable the credit file to show satisfied.
The letter attached just has a date 31/01/1995 and is titled Credit agreement regulated by the consumer credit avt 1974.
my signiture is not on this at all.
Any help please, what should I reply.
Thanks
I have sent the CCA letter to next directory and got a reply today the last day they had, I am a bit unsure of the reply as they have not sent me a signed copy of my agreement but they state they do not have to. They have just sent me a photo copy of terms dated 31/01/1995 I have posted the letter below. Can anybody help with what I should do next or if this is correct.
The Next Directory letter reads
We have previously supplied you with or please find attached a true copy of the credit agreement. We are satisfied that this meets with out obligations under section 78 of the Consumer Credit Act.
By way of explanation, under Section 78 of the Consumer Credit Act, Next must supply any customer with a True Copy of their credit agreement upon request. For the purpose of section 78 a, a True Copy need not be an exact copy or photocopy, as long as it contains every material provision of the agreement signed. This means that it does not need to have non-statutory information which was included for the own creditor's benefit or signed boxes. Therefore Next are not required to provide you with a signed copy of the agreement and this is made clear in section 3(2) of the consumer credit (cancellation notices and copies documents) Regulations. We are required to provide you with a true copy and a true copy is enclosed.
In light of this, and in the absence of any evidence to suggest that you did not order and/or receive the goods delivered, Next will continue to seek payment of the balance of £1168.47 owed by you. It is noted that you have neither denied ordering or receiving Next Goods.
A default entry will therefore be made on the credit reference file, which may affect the ability to obtain credit in the future. Making payment to clear the balance will enable the credit file to show satisfied.
The letter attached just has a date 31/01/1995 and is titled Credit agreement regulated by the consumer credit avt 1974.
my signiture is not on this at all.
Any help please, what should I reply.
Thanks
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