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Me VERSUS Legal & Trade


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Hi,Having read the great content on this website I decided to try and get my signed CCA from Next Directory and suspend payments until they give it. However, they have sent my account to Legal & Trade. I have still not received the signed credit agreement. Legal & Trade sent me a letter. I phoned them to explain what I was doing. They said that they did not need a signed CCA to chase for the debt and that a lot of purchasing now goes on without a CCA and that it was still enforceable. I have set up a repayment with them but in the meantime I still want to get to the bottom of this. What is the law here as I am hearing different things from Legal & Trade?Many thanks in anticipation.Damsel Fish

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