CCA Request - Moorcroft

[mazza1970]

I sent a CCA request to Moorcroft on 3rd September. Today I received it, it is a photocopy of a CCA which someone has written my name and address on - not my writing. There is no signature or date on the form where my signature should be. Now I know they are over the time limit in sending this to me. What is the next step for me and is there a letter that I should send them.

 

Thanks in advance

[j_semple]

Account in Dispute. Somebody will link you to a template letter you can use.

[mazza1970]

Account in Dispute. Somebody will link you to a template letter you can use.

 

Thanks

[postggj]

no

 

its not in disputes as such

 

a creditor can now send a reconstructed agreement to comply with your s.77. To s.79 cca request

 

it must be an exact copy

 

but

 

to enforce in court

 

they need the original

 

if they had that, why send a reconstructed agreement

[postggj]

How old is the agreement also

[j_semple]

I think my brain's farting or something. Sorry if the account in dispute was the wrong advice. Just follow what the rest say.

[postggj]

Keep posting

 

we all have to learn j-semple

[postggj]

Dear Sirs,

Thankyou for your template letter.

Clearly you have chosen to abide by the Consumer Credit Act as minimally as is lawful, by providing a reconstituted agreement. While this may satisfy a CCA request, it is not enforceable in a court of law.

 

I now request you to confirn as to whether you actually hold a copy of the original signed agreement. If you do not hold an agreement, then I require you to confirm this, or if you do hold the original signed Agreement then I would ask for you to advise me in what form.

 

Certainly I can think of no valid reason why you should choose to provide a reconsituted version rather than simply photocopy the original-if it exists.

 

I would remind you that the OFT state that creditors should not imply or state that an enforceable agreement exists if that is not the case.

 

I look forward to receiving your response within 14 days.