Hi, I have sent requests for three agreements I have and had one back from Capital One and I'm a little confused. The agreement itself is on the back of the letter they sent in reply but has not been signed by myself or the company, the application for the card was done online though??? In the letter it states....... Thank you for your recent letter requesting copy documents for your account. You requested copies of the executed agreement and a statement of your account under section 78 of the consumer credit act 1974. Please find a copy of your agreement enclosed as requested. In accordance with section 78 of the CCA 1974 and CC regulations 1983, this is your original agreement, and if any terms have been varied, then the copied agreement will include the updated terms. In addition, 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 regulations. Is this just an attempt from Cap one to put me off the scent? what should I do next, please help someone???

Hi, I'm a relatively new member and started a thread a while back but have had no responses, so not sure if i've done it in the right place? I have a credit card and loan which seem to tick all of the boxes in terms of start dates to challenge the credit companies. The problem is that I don't know where to start? Is there a standard letter to send out to the companies for a copy of the CCA? Then when they respond what do I do next? Do I need to pay someone to do this for me because I've done some research and some of the companies and solicitors I've spoken to want to charge a fortune!!! Please help

I have been doing some research online and phoning various companies to look at how to challenge a loan agreement with Lloyds TSB. The variation in the costs are staggering, from £50 for a quick look and then £1000 to £2500 flat fee and some of the companies have been quite pushy!! I understand that this is something I can do myself but not sure how to do it? I have requested a copy of the agreement nad have received it, but I'm not sure what I'm looking for and what to do next??? please help anyone!!!