Hi, Thanks - will try and get it put on. However because it is an application form there is no credit limit, repayment or interest rate notification. General terms and conditions are contained in the photocopied bank copy on the reverse of the application form.

Hi, The CCA is direct from the bank not the DCA. Just looking at it again it is the intial application form and also states "I apply for the Asset card on the Conditions overleaf." Is an application form the same as a CCA? Many thanks

Additional points are that: On the top it says "Reply today for your guaranteed card" The back of the CCA has a "bank copy" of terms and conditions

Hi, So reported to TS, OFT and MOJ as suggested. However in the post this morning I received a signed CCA. So my earlier comment re no signed agreement was very wrong! Still almost sure they just sent me the card and then I must have completed this. The only possible grey area I can see on the signed CCA is that although both myself and the bank have signed the CCA their signature predates mine by eleven days. Should it not be the other way round, ie I sign then they sign? If not any other angle available to me? Many thanks,

ok so is there a standard letter I can send or get a link to?

Thanks for ur prompt reply. Thought they were being stupid! So do i need to send anything to eithier Cahoot or the "new" DCA? Cheers

Ok given up on the scanner so typing below. Additionally had another final reminder from the other DCA today! I've just noticed the unsigned credit agreement is to my new address and not the address when I took out the account: Also I'm also 100% that there is no signed agreement. Here we go: I write in response to your request for a copy of your cca under section 78 of the CCCA 1974. I have enclosed with this letter: 1) a copy of your original agreement, which has been updated with the current financial profile of your account; 2)a signed statement of your account By providing you with the documents attached to this letter, we have satisfied our obligation to provide you with a copy of the executedd agreement under section 78. There is no requirement under the CCA to provide you with a copy of th eoriginal signed agreement. We are endeavouring to locate the opy of your signed agreement, but please be assured we would not have opened a credit card account without having sight of a signed agreement. For teh avoidance of any doubt, we have set out in this appendix to this letter your rights under section78. Having satisfied our obligation under section 78, the agreement you have with us is fully enforceable and we shall continue to treat it as such. We will not be entering into any firther correspondence with you regardign the provision of copy agreements. Then a bit of general blog about warnings by Ministry of Justice then a final line of: The entire amount is due and payable immediately.

Ok I'll try and get access to scanner. Thanks

ok so sd i sent a letter to this the new DCA and Cahoot? Do i send a further dispute letter to Cahoot? Sorry for what may appear simple questions but it's all new too me and don't want to cock it up!

Ok so I can continue to go through Credit Security and not bother with Debt Managers? The CCA is literally a printed off new agreement. They acknowledge in the covering letter that they are still looking for the signed copy but that it doesn't matter as its enforceable as they have now supplied the information which I requested.

Cahoot used Credit Security Ltd to threaten doorstep collectiones etc. I sent a CCA to them over 6 weeks ago and got a standard letter saying they're get back to me. Today I've had a copy of the original agreement from Cahoot - unsigned. Additionally I've had a a urgent final demand from a new company, Debt Managers Ltd!! Do I just take the account in dispute line? Many thanks

Super - that's great - I 'll follow up wiht that letter and let you know if I hear anything

Have taken over from Equidebt in pursuing an old Cahoot loan. I sent them a CCA on the 24th June which they rec'd 25th June by recorded delivery. I had a standard replying from them acknowledging this on the 29th June. I haven't heard anything since so how should I now follow up? Many thanks, Adam

Thanks - Will defend and put in a counter claim.

Thanks for your reply, No they've issued the court claim. They had sent a letter previously which i ignored. No the actual balance on the account is 300. HOwever they wouldn't remove any of the charges/interest re the retunred goods, so as I informed them frequently I wouldn't be paying as I knew this would just drag on. Prior to that though I had been paying double the min payment every month. Cheers, Adam