Have you not already served a CPR 31.14 ? You dont request the agreement by way of a CPR 31.14 you use a CCA (section 78) request which you have already done and they have not complied.Therefore they remain in default of your request and unable to enforce the agreement.
Screen shots of the application/sign up are not compliant with a Section 78 request.
Ive searched and what I have uploaded is all i have received from them in response to CCA and their response to PAP.
Only other paperwork I have is credit card statement from Lowell and same from Vanquis in response to SAR.
Shall I CPR them straight away now?
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