Hi everyone - a first-time poster, so please, go easy on me and apologies in advance if this issue has already been dealt with elsewhere.
CCA'd Capital One around the middle of May - they've come back to me (just) within the statutory timescale, with a simple copy of their standard T&Cs (rather than a 'properly executed', signed agreement). My initial response? Yay! They dont have a 'properly executed' agreement!
However, they go on to state:
"In adddition, your personal details, the signature box, signature and date of signature have been omitted from the copy provided as permitted under Regulation 3 of the Consumer Credit (Cancellation Notices and Copy Documents) regulations 1983."
My gut feeling is that they would have provided a properly executed agreement if they had one (and I will now respond with a letter outlining:
1. That they are obliged to supply me with a copy of a properly executed agreement
2. That the account is now in dispute
However, it looks as though they could just keep coming back to me with the same standard line (essentially, that the mysterious 'Regulation 3' allows them to omit my signature from what they supply). I'll be asking them to tell me whether they actually have a properly executed, signed agrement, of course - but I'm kinda worried, nonetheless.
ANY help gratefully received!