Lloyds TSB Credit Card CCA Request

Ruddockus

Hi All,

I have used a company called Knights Bridge Claims to CCA LTSB credit card. The card is about 10 years old. Got a letter will not put it all on but the main paragraph is:

I write in repsponse to your request for a copy of your consumer credit agreement under section 78 of the consumer credit act 1974 (CCA)

I have sent a copy of your original agreement, which has been updated with the current financial profile of your account, a copy of your current terms and conditions and a signed statement of your account to Knights Bridge Claims Management who are acting on your behalf. By providing them with these documents, we have satisfied our obligation to provide a copy of the executed agreement under section 78. There is no requirement under the CCA to provide you with a copy of the proginal signed agreement. We are endeavouring to locate the copy of your signed agreement but please be assured we would not have opened a credit card account without having sight of a signed agreement. For the avoidance of any doubt we have set out in the appendix to this letter your rights under section 78.

Having satisfied our obligation under section 78, the agreement you have with us is fully enforceable and we shall continue to treat it as such. We will not be entering into any further correspondence with you regarding th provision of copy agreements.

Blah Blah Blah.

Anyone any comments please, I think they do not have any signed agreement and therefore is this unenforceable?

Thanks in advance.

Regards

RAS

They are not required to provide the signed copy until they take you to court, but they are required to provide a true copy.

Why are you using a fee-charging company to chase theis, when you could do it for a very small cost on the baiss of advice on here?

Ruddockus

hi there,

It is my wifes! And she felt more comfortable doing it this way! I paid using this credit card so hopefully will be free anyway.

Regards