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Hi all,

 

I have not seen the answer to this question so can you help?

 

having requested a true copy of my contract from Co-op for my credit card they sent me a polite letter stating that:-

 

"Furher to my Letter dated 23/06/09 requesting a signed copy of the credit agreement.

 

Unfortunately we are unable to locate a signed agreement as it is no longer on file

 

Therefore can you please provide any additional information."

 

what am I to make of this?

they do however have a linked account number on the heading

 

any help would be good

 

Thanks in antisipation.


Please except my sincere thanks for any help... Knowledge can be dangerous but experience is priceless!

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It means that if you had a debt they cant enforce it, however the debt still exists and will remain on your credit file for 6 years, so it is up to you whether to offer a final settlement or to just ignore them

 

keep the letter safe as they will undoubtably sell the debt onto some pondlife dca


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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thanks,

 

for clearing that up, it was what I had been told but wanted it confirmed.

 

will now ask for access report to see what they have on me and what I can claim back befor i start getting p*ssy with them.


Please except my sincere thanks for any help... Knowledge can be dangerous but experience is priceless!

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