Hi there
Just got a CCA from IF (only a week past the 12+2) and I don't like the look of it one bit.
1. no sig from me or them, in fact nowhere that a sig could be placed, apart from boxes for a confirmation of cancellation and a box to sign if you wished to take out PPI![]()
2. They sent 2 almost identical 'agreements' one with Halifax as their party and with the address at which I was living at the time I took out the card, another from Bank of Scotlandwith my current address.
It is essentially identical to Carpinjoy's CCA on another thread.
They say in the covering letter that they have 'satisfied their obligation to provide a copy of the executed agreement under section 78.'
They therefore claim the agreement is fully enforceable and they will continue to treat it as such.
What should I do next?



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