Hi, I have an outstanding RBS debt with Lowell (was originally with Hoist). The debt is over 10 years old. I wrote to Lowell requesting a copy of the CCA realted to this account . They acknowledged my request and a second letter told me that they were waiting information from RBS. yesterday I received a letter from Lowell stating the following' You requested documents under sections 77 and 78 of the Consumer Credit Act 1974. Royal Bank of Scotland have provided a copy of the documents , which we have enclosed. This fulfils our obligations under the Consumer Credit Act 1974. What they have enclosed and sent to me is copies of six credit card statements from 2020 and a copy of thier general conditions applying to the credit card. There is no signed CCA. Please can you advise how I take this forward.
Kind regards Pinkish
Kind regards Pinkish
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