Hi DX, guess what!!!!
after sending a CCA in April they have just decided to send the awaited agreement only 3 months late.
The so called agreement they have sent has been completed by someone else
and there is no customer signature on the so called agreement.
I have noticed a paragraph in their letter,
please find enclosed a reconstituted ''True Copy'' of your credit agreement along with the current terms and conditions applicable to your account, to which you agreed.
When responding to a section 78 request, a lender does not have to provide a photocopy
or other literal copy of the executed agreement not provided a copy bearing
or some other proof of the customers actual signature.
Does my stepdaughter just ignore this letter.