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" Reconstituted catalogue Credit Agreement" - You might like this one!


doughall
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I just thought I'd post list for your chuckles

 

I noticed a Default on my credit file. So wrote to Lowell Group requesting CCA etc etc.

Finally got a letter from Naturally Close (Lingerie catalogue) I'm a man, and not that way inclined!

 

Anyway, Naturally Close quoted "The Account was originally opened on 18th Feb 2007" and "We are under no obligation to supply you with a signed copy of your agreement at this time. However please find enclosed a Reconstituted "True Copy" of your agreement allong with the terms and conditions..." blah blah..

 

Firstly, no such agreement has been signed by me, so unsure how it can be a Reconstituted "True Copy", and secondly, the address on the copy is my current address. I wasnt living at my current address in Feb 2007, nor was I for at tleast 4 years after.

 

They sent two different copies of the "CCA"

Page 1 of one "CCA" states 39.6% interest.

Page 1 of the other states 36.9%

Both with the incorrect address for when the agreement was taken out..

 

Funny how when I brought this to the attention of Lowell, and have been chasing them weekly for 6 weeks, that they dont reply.

 

I've just opened a case with the Financial Ombudsman.

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"The Account was originally opened on 18th Feb 2007" and "We are under no obligation to supply you with a signed copy of your agreement at this time. "

 

Wrong again....if the alleged account was opened pre April 2007....they are obliged...bless em.:-)

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Have some fun with this one! :whoo:

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This sounds like fun, please do keep us updated on your progress :)

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