Proof of posting / receipt / acceptance

ianal

I've received a letter from a DCA that says "We believe that this letter fulfils this requirement even if it is not actually read by you"

Given that it was sent via normal (un-signed for) snail mail and that the Royal Mail admit to losing millions of letters every year how can anybody say "we posted, it so therefore you must have received / read it"

If a financial institution was to send me new T&Cs that i didn't like, can I write back and say that I reject them and I will continue to operate under the original / signed for T&Cs and that I'm presuming they've accepted my request even if they've never received it.

Because banks now appear to be able to reconstruct T&Cs to meet CCA legislation could I say that as I didn't receive them I'd like the bank to send me details of the dates they were posted to me and how they presume that I'd read / accepted them.

Thanks in antici.....pation of somebody acknowledging that they've read this

DarkConvict

When a letter is sent, it is legally assumed to have arrived. To get people to have to reply to ever letter sent out would be a nightmare.

Sadly it seems very one way, you can send a cancellation letter to a phone contract yet they are happy to say it was never received, yet when they change terms it is like, oh but we sent you a letter 3 months ago.