Thread: Monument deny a signed caa is law

Hello folks.

I have asked Monument for a copy of a signed caa.

They have responded telling me that section 78 of the CCA 74 does not require them to send me a copy of the the agreement showing my signature.

" Section 78 requires us to provide you with a copy of your agreement which looks like the one you signed but which has been updated to contain the terms and conditions which currently apply to your agreement ( rather than those which applied st the time you signed the agreement). Importantly, the copy is not required to include your name or signature."

I have a very different response from RBS who admit that their agreement is is unenforceable.

Can somebody with experience please point me to a template letter to respond to Monument.

Thank you in advance.

Regards
All ways a fighter

Its true they don't have to send you a copy of the signed original agreement, and what they have sent you conforms to the CCA regulations. However, if you were to come to court, they MUST present the original . This is typical behaviour but you need not be concerned. The next action is to issue them with a Subject access request, specifically requesting they supply you with a copy of the original agreement.

The RBS admission is gold! I wish my creditors sent me letters like that!

Have a look at the template section..there are many good example letters for each step you take.

The Consumer Forums - Bank charges templates (consumer)

1MansQuest

Thank you for your comments friends.

Could you point me to the perfect response asking for a "Subject access request, specifically requesting that a company supply me with a copy of the original agreement."

Thanks again.

Regards
JD

Originally Posted by andie_303

Now this is where monument hope you go away quietly - instead send a special access request to whoever the original owner of the debt was - this means they have to provide you with a true copy - bascially a photocopy of the one you signed no alterations.

Hi again,

Have you done this yourself and if so what did you send and what was the outcome/nextstage ?

Thanks in advance.

All ways a fighter