Following reading on here
I wrote to Vanquis requesting under S77-79 of the CCA
"... a true copy of the executed credit agreement relating to this account,
together with any other documentation the Act requires you to provide ..." and a £1.00 fee was paid.
I have recently received in response correspondence which appears identical that posted by other people on here, namely:
1. A 2 page cover letter stating they have provided what I've asked for, specifically
" ... This information is provided in accordance with the Terms and Conditions of your account
and according to the information which is practicable for Vanquis Bank to refer."
2. A 2 page Excel style compiled spreadsheet/report headed Digital Signature Application Details.
3. A 10 page document that appears to be the terms and conditions for a credit agreement,
however, there are no headings, dates or references that would suggest to what or to whom it relates.
Notable by their absence is anything resembling a signature, or dates attached to the terms or the report.
Apologies for the lack of attachments but I don't have access to a scanner at the moment,
however, I can confirm that the correspondence appears identical to what I've seen on here in previous posts.
From what I understand, whatever they might believe,
my request under S77-79 hasn't been complied with and as such they *shouldn't* progress matters until they can rectify this and provide my valid request.
I appreciate that this doesn't stop them thinking they can continue to contact/chase over this matter, but the lack of documentation *should* put a stop to that.
I'll have a read up on other people's posts later, but could someone give me a quick reply as to whether I'm seeing things correctly.