hi,
Please, I would like to know exactly what i should have received as a reconstituted CCA request from lowell portfolio.
The situation i have is:
18/03/13, I sent a CCA request to lowell for a barclaycard account.
14/05/13, I receive a reply to my request and states, after liaising with barclaycard in an effort to obtain this document we have been advised that this is no longer available due to the length of time since the account was opened. Also it states they are closing my account and not make any further contact with me concerning payment against this account unless the copy of the agreement is received at some point in the future from barclaycard.
17/05/13, I receive a letter from lowell saying, We are in receipt of your recent request for a copy of your agreement.Your O/C has provided us with the attached reconstituted copy of the credit agreement you entered into with them, which they confirm you would have signed prior to the granting of credit to you. Under section 77/78 of the CCA 1974, we are not obliged to send you an exact copy of your signed agreement. We have now fully satisfied our obligations required following your request under the CCA1974 Blah Blah Blah,
We would also confirm the following information as required by the above act.
balance payable against your account £1484.19
current state of your account: defaulted.
What i have received with this letter as what they say is a recon copy of the agreement:
Please could you advise on this matter, is there a letter that i should reply, is there things missing that should be in this recon agreement, it just seem right to me but i havent got a clue thats why im asking for help.
kind regards mark.
Please, I would like to know exactly what i should have received as a reconstituted CCA request from lowell portfolio.
The situation i have is:
18/03/13, I sent a CCA request to lowell for a barclaycard account.
14/05/13, I receive a reply to my request and states, after liaising with barclaycard in an effort to obtain this document we have been advised that this is no longer available due to the length of time since the account was opened. Also it states they are closing my account and not make any further contact with me concerning payment against this account unless the copy of the agreement is received at some point in the future from barclaycard.
17/05/13, I receive a letter from lowell saying, We are in receipt of your recent request for a copy of your agreement.Your O/C has provided us with the attached reconstituted copy of the credit agreement you entered into with them, which they confirm you would have signed prior to the granting of credit to you. Under section 77/78 of the CCA 1974, we are not obliged to send you an exact copy of your signed agreement. We have now fully satisfied our obligations required following your request under the CCA1974 Blah Blah Blah,
We would also confirm the following information as required by the above act.
balance payable against your account £1484.19
current state of your account: defaulted.
What i have received with this letter as what they say is a recon copy of the agreement:
- An a4 with my name and an address (address is my fathers address, i have never lived there) a box with written inside YOUR RIGHT TO CANCEL, once signed .you'll have short time to cancel and so on etc.
- Barclaycard agreement A copy for your records sheet (in the top right corner a little cancellation form to fill out).
- a sheet about;Barclaycard conditions of Use, a copy for your records.
- Barclaycard terms n Conditions sheet.
- A supporting letter from barclaycard dated 18/04/13 (see attached scan)
Please could you advise on this matter, is there a letter that i should reply, is there things missing that should be in this recon agreement, it just seem right to me but i havent got a clue thats why im asking for help.
kind regards mark.
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