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Hi

New to this site and this is my first thread.

 

Wrote to Monument with a CCA request and what I got back was a copy of their current terms and conditions, i.e. not the terms and conditions from the original credit agreement that I signed, and a photocopy of part of my original application form.

 

What I want to know is:

 

1. Does their response comply with a CCA request ? and

2. If it doesn't then is their credit agreement with me unenforceable? (assuming they won't supply me with a true and signed copy)

 

Any advice would be greatly appreciated.

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What CCA request did you do, Did you use a template or write one yourself.

 

Did they send a letter back to you along with the T&C's?

 

How long did it take for them to respond?


Train hard...Fight easy

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Hi

This was the text of my letter (based on a template from this site):

 

Dear Sir/Madam

Account No: 4265 6590 0010 4815

With reference to the above agreement, I would be grateful if you would send me a copy of this credit agreement and a full breakdown of the account including any interest or charges applied and any amounts refunded to the account. I understand that under the Consumer Credit Act 1974 [sections 77-79], I am entitled to receive a copy of any credit agreement and a statement of account on request. I enclose payment of £1 which represents the fee payable under the Consumer Credit Act 1974.

I understand a copy of any credit agreement along with a statement of account should be supplied within 12 working days.

I understand that under the Consumer Credit Act 1974 creditors are unable to enforce an agreement if they fail to comply with the request for a copy of the agreement and statement of account under these sections of the Act.

I look forward to hearing from you.

Yours faithfully

 

They got back to me within the allotted time. The documents they sent was a copy of their current terms and conditions, not the T&C's that applied when I originally signed up for the account. Also included was a copy of my signature on part of the original application form.

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P.S. I'll try and upload an image of their response letter once I've worked out how to do it!

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