then it seems very odd to me then that the Royal Mail offer registered post and insurance for lost items the only things i could find appear to be about the Mailbox_rule on Wikipedia Posting rule - Wikipedia, the free encyclopedia and they seem to be based on something that happend nearly 200 years ago Adams v Lindsell ( 1818 ) >>> The posting rule (or "mailbox rule", "postal rule" or "deposited acceptance rule") is an exception to the general rule of contract law in common law countries that acceptance takes place when communicated. The posting rule states, by contrast, that acceptance takes effect when a letter is posted. One rationale given for the rule is that the offeror nominates the post office as implied agent and thus receipt of the acceptance by the post office is regarded as that of the offeree. The main effect of the posting rule is that the risk of acceptance being delivered late or lost in the post is placed upon the offeror. If the offeror is reluctant to accept this risk, he can always require actual receipt before being legally bound.

Oops - sorry for posting in the wrong section - there are so many areas that appear to be dealing with similar subjects - i'll try to do better next time The letter was from Moorcroft DR - pre-court division i've got a whole collection of letters from DCAs for various banks / cards / loans (messy divorce and change to low paid job blew a hole in ability to pay) but that was the first time i'd seen any of them say i've been informed even if i've not read it i've asked for the CCA on this account and not received it - just that nice letter i always send letters by recorded / signed for delivery as i know they lose millions every year i've often checked the tracking number online (weeks later) and found that it hasn't been signed for - even though i've had a reply from the compnay i sent it to is there anything in law that says that if you can prove a letter has been sent, then it must be presumed that it has been delivered?

I've received a letter from a DCA that says "We believe that this letter fulfils this requirement even if it is not actually read by you" Given that it was sent via normal (un-signed for) snail mail and that the Royal Mail admit to losing millions of letters every year how can anybody say "we posted, it so therefore you must have received / read it" If a financial institution was to send me new T&Cs that i didn't like, can I write back and say that I reject them and I will continue to operate under the original / signed for T&Cs and that I'm presuming they've accepted my request even if they've never received it. Because banks now appear to be able to reconstruct T&Cs to meet CCA legislation could I say that as I didn't receive them I'd like the bank to send me details of the dates they were posted to me and how they presume that I'd read / accepted them. Thanks in antici.....pation of somebody acknowledging that they've read this :-?