unknown store card - wescot

dis2702

I have recently been contacted by wescott regarding an outstanding balance from a store card(Style card) Which I don't remember having.
I have sent of to the CCA for a copy of the agreement which they have supplied, but on the agreement all it has is a pre contract information form which has a previous address and my name handwritten on it the agreement itself ddoes not have my signature on it
I would appreciate any help in understanding where I stand on this

CherlokHomes

dis2702 wrote: »

I have recently been contacted by wescott regarding an outstanding balance from a store card(Style card) Which I don't remember having.
I have sent of to the CCA for a copy of the agreement which they have supplied, but on the agreement all it has is a pre contract information form which has a previous address and my name handwritten on it the agreement itself ddoes not have my signature on it
I would appreciate any help in understanding where I stand on this

You don't remember having a style store card or you want to forget you had a style store card?

Have you checked all 3 CRA's to see if this store card is on there.

dis2702

I contacted the one given to me by wescott they sent a copy precredit information and the the copy of the agreement does not have my name, address,signature or dates on it
I have no problem paying any debt I have
Are they required to send a copy of the orginal signed agreement or just a copy of the standard agreement they had in operation at the time it was taken out

dis2702

I wasn't aware there were 3 CRAs

CherlokHomes

dis2702 wrote: »

I wasn't aware there were 3 CRAs

Check Noddle free

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redcard

dis2702 wrote: »

I have no problem paying any debt I have

You know that's a lie.

jonesMUFCforever

They are allowed to reconstitute an agreement.
Why do you not SAR the lender (cost to you £10) it should show all transactions you made on the card(or not).