Monument help needed

[frankzappa]

Hi
New to this site and this is my first thread.
Wrote to Monument with a CCA request and what I got back was a copy of their current terms and conditions and a photocopy of part of my original application form. What I want to know is:

1. Does their response comply with a CCA request ? and
2. If it doesn't then is there credit agreement with me unenforceable? (assuming they won't supply me with a true and signed copy)

Any advice would be greatly appreciated.

[angryandy]

Hi Frankzappa
What they sent you is not part of the cca request.
Firstly though did you send them a £1 postal order for your cca request. If not they certainly won't send you your original copy of your cca.
Secondly your cca is only unenforcable when you get proof they haven't got your cca. ie They have 40 days to comply with your request once you have sent your £1 po. You will either get your cca or a letter saying they can't find it. Hope this is of help

[angryandy]

PS Sending you part of your application form certainly isn't a cca. It is just an application form like it says

[frankzappa]

Many thanks angryandy.
I sent them a cheque for £1.00 (which they've cashed).

Should I re-request and ask for written clarification if they haven't got it and then hold the account in dispute?

[angryandy]

I would personally send them a cca request template letter with your £1 po. Also when you do this i would also mention to them the fact you sent them a £1 cheque which they have cashed and you haven't had what you asked for. Might be seen as petty but that money is yours and as they haven't given you what you asked for they should have sent the cheque back. Let us know what happens.
ps Might be wrong about the 40 days. Think it might be 14days. I'm sure the template letter will let you know.

[steven4064]

Its 12 days. And they have a statutory obligation to provide it