SAR Request sent on 01/08/15 (signed for) I have received the attached letter today 12/08/15, for information I included my past 2 addresses and proof of current address (CTax Bill). Can anyone advise of my next steps please. Thanks NCB

Hi All, Had a response from IF to a CCA request on a credit card. Quote: "Further to our letter, at the moment we are not able to provide a copy of the original signed agreement but I have enclosed a copy of your original Terms and Conditions, however we can confirm that our procedure has always been to obtain our customer's signature to an agreement containing the prescribed terms before entering into a credit card agreement. As such, we are confident the agreement remains enforceable. By providing you with the documents attached to our previous letter, we have satisfied our obligation to provide a copy of the executed agreement under Section 78. However, even is an agreement is unenforceable, the contract still has legal effect and is not void, the lender is merely prevented from seeking an enforcement order from the court. It has always been our process to ensure that an agreement complying with the CCA requirements would have been signed by the customer before setting up a credit card account. Should this proceed to court we will adduce evidence to confirm this..." It goes on to warn about using the services of claims management companies etc.... They have attached a badly photocopied version of the Terms and Conditions. I'm confused here - am I still in dispute with them until they turn up a copy of my signature? Should I start paying them again? As always, any help much appreciated. JJ