debt-burdened
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Anna1s1 started following debt-burdened
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Thanks for the honest appraisal. Don't have the funds to continue to pay so we'll see what happens. Kind regards. DB
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Hi, I've scanned and converted to pdfs From what I could see the only relevant items might have been start date, terms ref name, but I could be wrong. I can re-post or update here with more details if I need to. Thanks DB
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Following reading on here I wrote to Vanquis requesting under S77-79 of the CCA "... a true copy of the executed credit agreement relating to this account, together with any other documentation the Act requires you to provide ..." and a £1.00 fee was paid. I have recently received in response correspondence which appears identical that posted by other people on here, namely: 1. A 2 page cover letter stating they have provided what I've asked for, specifically " ... This information is provided in accordance with the Terms and Conditions of your account and according to the information which is practicable for Vanquis Bank to refer." 2. A 2 page Excel style compiled spreadsheet/report headed Digital Signature Application Details. 3. A 10 page document that appears to be the terms and conditions for a credit agreement, however, there are no headings, dates or references that would suggest to what or to whom it relates. Notable by their absence is anything resembling a signature, or dates attached to the terms or the report. Apologies for the lack of attachments but I don't have access to a scanner at the moment, however, I can confirm that the correspondence appears identical to what I've seen on here in previous posts. From what I understand, whatever they might believe, my request under S77-79 hasn't been complied with and as such they *shouldn't* progress matters until they can rectify this and provide my valid request. I appreciate that this doesn't stop them thinking they can continue to contact/chase over this matter, but the lack of documentation *should* put a stop to that. I'll have a read up on other people's posts later, but could someone give me a quick reply as to whether I'm seeing things correctly.
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