Robinson Way &HFUK1L

[Guest]

i have 2 old BC debts requested CCA for both over the last 3 yrs only just got some old accounts incomplete along with a moody looking photocopy of what is supposed to be the CCA .

RW are now asking for funds to clear down debt circa 8k and that I must accept this as a a reconstituted copy under the act .

Im struggling to find where in the Act it states that I need to accept a reconstituted copy ?
Can anyone assist with advise ?

Thx

[des8]

Basically creditors are entitled to produce a reconstituted version of the credit agreement from the information they hold on the debtor.
The reconstituted version does not need to include a signature box or indeed the actual signature but must contain both the creditor's & the debtor’s names and addresses at the time it was executed.
It does need to be a true version, so go through it with a fine tooth comb to find any discrepancies
Carey v HSBC [2009] EWHC 3417 (QB)

[Setmefree3]

Hi Des8. Can you confirm that no signature is required on all debts, or just after a certain date?.

[des8]

AFAIK no reconstituted agreement needs a signature

[Setmefree3]

Thanks for clearing that up.