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Creditor Doesnt Have CCA


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Hi all


I sent of for a copy of my CCA and after numerous reminders and a couple months later recived a letter stating that they cant find the agreement so they have entered the details onto a fresh agreement but with my current address and not my adress at the time of taking out the loan and obviousley no signature they did refer to a case i think it was carey vs HSBC saying they was allowed to do this is this true?


anyone got any ideas of where i go from here ??


many thanks in advance




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As far as I can remember, they are allowed to send a reconstruction but it must match the original agreement. Without a SIGNED agreement, they will be unable to enforce this debt through the courts (pre April 07)

The fact they have sent an agreement with your new address on obviously doesn't match the original.

Letter 9 possibly




Don't remind them of your previous address.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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