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cca reconstituted copy


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just got a reply from a cca request, HFC bank, they admit they have been unable to provide a true signed copy of the agreement but sent a reconstituted copy and say in accordance with section 3 of the consumer credit act they have fulfilled the request and that i have aknowleged the debt

Please advise where i should go from here anyone , the account is from 1999

dont know what my next step should be

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With £400 arrears I assume that there are a number of late charges etc on the account--if there are then you can reclaim them.


If you haven't all of your statements then a SAR--cost £10-- will obtain them for you. You can then total up the charges,work out the interest and reclaim the total.


Template letter can be found in the CAG library as can a template letter putting the account into dispute [if you so wish] because they admit that they are unable to provide a copy of your CCA.


Have a read around the forum about people in similar situations to yourself.

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can they proceed to court with a reconstituted copy ?



First they have to send you a compliant Default Notice giving you the chance to rectify the situation--if not rectified they then have to terminate the agreement.


If you send off the 'In Dispute' letter this should/might halt proceedings for a while at least.


Going to court with no agreement ould be a silly move on their part--but not unheard of.


If you already have a Default Notice then remove personal details and use Photobucket or similar to post it on here for other caggers to inspect and advise.

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Sorry these are the right ones , Nom signatures, handwritten address, no intrest rate , just a blank document with my name handwritten on it


Can anyone tell if its enforcable ?????

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