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1st credit CCA


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In september 2009 i sent a letter to 1st Credit requesting a true sign copy of my CCA. I received a letter back from them saying that the document is being retained by their client (Associates) and that it would be sent to me as soon as possible.


I have not heard anything back until now!! They sent through a letter stating that attached was a 'true copy' of my agreement. However, it just looks like the basic wording of a credit card agreement and does NOT have any of my details on it i.e. credit limit, signature etc. It looks like they have put it together themsleves!!


I ignored this but i have now received another letter demanding payemnt or legal proceedings will start within the next 7 days.


This debt will be 6 years old on the 29th Octobver 2010.


I don't know what to do next. Should i write back and say that they haven't provided a 'true signed copy'?


Any help or advice is much appreicated.

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