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CCA request with HBOS

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Back in april i submitted a request for a copy of my credit agreement for a loan, finally recieved a copy of the agreement but no T&C's back in sept, passed the matter onto

trading standards which are investigating but my point is this, can they enforce if they haven't fully complied with the request. Some help and Advice would be welcome.

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can you post a copy of the agreement they sent you so we can look at the document to asses if it has the required prescribed terms


obviously remove any personal details first



strictly speaking they should not enforce it while they have failed to comply with the CCA but that said i have heard of companies doing just that



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