The data protection act requires that a person is positively identified before financial information is discussed. If you are concerned about fraud why not confirm your ID and discuss the issue. Your clearly not trying to cheat paying a debt you owe so speak to them and explain your situation. If fraud has been commuted then any decent company will investigate surely???

I am just making a point. I am trying to deal with my debts and it appears that most people on this site seem to think of ways to exploit regulations to avoid repayment. I prefer Martin Lewis's site as people are honest about their situation and genuine grievances about debt companies are discussed not myths regarding CCA requests.

I notice you have not said that you do not owe this debt? If you do offer a nominal payment if you have no funds, this way you are not committing fraud by taking money under the false pretences. a nominal payment is a fair resulution if you have not much money

Robinson Way choose not to take the £1. Remember they are a regulated company and they are not looking for holes in the system to exploit so will provide the agreement if it is available. Hopefully they will provide the agreement and you will have to find either a new excuse or pay up!

It is enforceable. A true copy is perfectly valid under the CCA. The company can also construct a 'true copy' if they wish by simply sending you the terms of the original agreement. It is clearly signed by you so stop trying to cheat the system. I believe in fighting against unjust causes not fraud. Pay up man before they sue you with good cause!