Cabot and reconstituted credit agreements

[rifkaleah]

What do you do if you've made a CCA request, Cabot have provided a reconstituted copy of the agreement, but you can prove that what they have provided is not a true copy of what was provided at the time the credit application was signed? By that I mean the wording of some of the clauses are different, the interest rates quoted are different.

Could this potentially blow a hole in the case law that permits lenders to provide reconstituted copies without any evidence that they are actually a true copy of the terms and conditions provided at the time the agreement was signed?

[jaguarsuk]

What do you do if you've made a CCA request, Cabot have provided a reconstituted copy of the agreement, but you can prove that what they have provided is not a true copy of what was provided at the time the credit application was signed? By that I mean the wording of some of the clauses are different, the interest rates quoted are different.

Could this potentially blow a hole in the case law that permits lenders to provide reconstituted copies without any evidence that they are actually a true copy of the terms and conditions provided at the time the agreement was signed?

The question is how you can prove this?