I am taking them from photobucket but it doesnt seem to be resizing them properly, will try again scan0001-1-1-2.gif - Image - Photobucket - Video and Image Hosting

I am taking them from photobucket but it doesnt seem to be resizing them properly, will try again

and again

If this doesn't work ignor it please.

They are based in a tiny unit on an industrial estate. On the photo of the back of the building they are where the windows look like an upside down pyramid. I would think you would be lucky if 2 people and a mouse were able to fit inside, and I have heard rumours that the mouse walked out due to the cramped conditions,

I don't know why, when I scanned it it went so small anyway. Maybe I should get myself on a computer course, starting with the basics "This is a plug. Insert the plug into the socket......"

Doesn't matter I am a computer klutz

Ok shall do (armed with my digital camera).

I have just sent this one to Bank of Scotland today for the same thing. Edit and use it as you wish Dear Numpties I refer to your previous communication dated 4th July 2008 where you provided me with a copy of an application which has been noted and kept for audit. My request under statutory law was for a fully executed consumer credit agreement, however the document provided does not satisfy the terms under the Consumer Credit Act (1974). I am sure you are more than aware of your timed obligation to honour this request however I must point out that failure will result in serious complaints being made to the relevant authorities. I would also suggest that if you do not have this evidence as requested that you close this account and confirm this in writing. I look forward to your provision of the requested evidence and fully expect due diligence in this matter.

OOOh that's not far from where I live, do you want me to nip round and knock on their door?

Or Corporate Financial Services, as they like to delude themselves as being. I know that they are based in Kilmarnock, and that they like to leave messages pretending that they have an "urgent legal matter" to discuss with people but anything else I should know?

Excellent, many thanks my good man! I shall send that off today

Ok, any of you wonderful people able to help with with an official looking letter to say, you haven't sent me a true copy of the signed CCA at all but a very dodgy copy of the original application form which is in fact a pre-contract agreement. I did draft this one up but not sure if it reads right. Dear Sir, Thank you for your letter dated 4th July 2008. Unfortunately you have not sent me a true copy of the signed CCA as I requested but a poor copy of the initial application form which infact just a pre-contract agreement As you are aware the application form is not a CCA as it does not include the necessary prescribed terms within the copy. According to Section 127 (3) of the Consumer Credit Act 1974 the prescribed terms for a running account agreement such as a credit card, and which should be included in the CCA are details of: (1) Repayments. A term stating how the debtor is to discharge his obligations under the agreement to make the repayments, which may be expressed by reference to a combination of any of the following~ (a) Number of repayments. (b) Amount of repayments. © Frequency and timing of repayments. (d) Dates of repayments. (e) The manner in which any of the above may be determined; or in any other way, and any power of the creditor to vary what is payable. (2) Rate of Interest. A term stating the rate of interest to be applied to the credit issued under the agreement. (3) Credit Limit. This may be a term or the manner in which it will be determined or that there is no credit limit. You have included a copy of a credit card agreement, however this is not signed. Therefore you have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for the above account and so the claim in your letter that “…the information we have provided you with is all the information we are required to provide you with under Section 78 of the Consumer Credit Act…” was not correct. The document that you are obliged to send me is a true copy of the executed agreement that contained all of the prescribed terms, all other required terms and statutory notices and was signed by both your company and myself as defined in section 61(1) of CCA 74 and subsequent Statutory Instruments. If the executed agreement contained any reference to any other document, you are also obliged to send me a copy of that document. In addition a full statement of this account should have been sent to me detailing all debits and credits to the account. I therefore will allow until the 18th July 2008 for you to send a true signed copy of the Credit Agreement, before taking further action. I would appreciate your due diligence in this matter. I look forward to receiving a reply within the stated time,

Whatever Robin, you said in the other Robinson's way thread to pay it back. In my opinion, and that is all it is, anyone who makes their crust working for a DCA, threatening and harrassing someone who is struggling is ****. Whether this applies to anyone on this board or not is something I do not know, but they will. If they take offence then good, they should. Pretending to be someone who is giving advice, and again I am not naming any names here, makes them double ****. I just hope that if they are here and reading this they can sleep soundly knowing that what they are doing is nothing short of bullying. I do hope that United's sister asks for a TRUE signed copy of her CCA as I am sure that Robbingsomeone's way cannot provide one.

What advice is that? Pay the debt even though they cannot prove its yours? Loads of advice that is to a woman who has serious mental health problems, and probably, but not necessarily a hardship problem.

There is a dispute over the signature is there not?

However if Robinson Way cannot provide a true copy of a signed CCA then the OP does not have to keep paying any money to them whether Robin Alexander is a nice guy or not.

If the signatures do not match your sister's signatures then it cannot be a true copy of an executable CCA. I hope this works out for you and your sister.

Considering there is no CCA I will gladly keep watching the thread troll-meister.

I got told I couldn't leave a comment with my blob

More money than sense then?

Guarantee it? Can I bet you £10 then robin?

I do not understand blobs.

are you saying billie piper is easy?

or you could be like me and struggle to plug your computer in!