Right, I've used an online jpg merger - I hope this is acceptable as it's just not taking my pdf's.
These two sides of A4 were all Lowell have sent me as proof of my CCA with Vanquis. I do not know what you mean by the 'rest of it' - is there terms/conditions missing then, please?
Along with this they send a few sheets of copy statements, without a running total, just a list of purchases and charges with amounts and dates.
Also the covering letter states "We trust that this now answers your query and look forward to hearing from you to discuss affordable repayment options", I ju