CCA found - is it correct?

[bluesky90]

Hi,

Just wondering if anyone can help? I've a debt with a DCA and requested the CCA. The account's quite old so thought there was a good chance they wouldn't find it but it looks like they found it straight away, although not sure if it's right. It's dated 2005 but it's a bad photocopy with tiny writing and fairly illegible (although I understand from other posts being illegible doesn't necessarily mean it's not enforceable). It's also got someone else's signature in the middle, no idea whose.

They also sent what looks a generic list of t's and c's and a list of transactions starting 2002 with a monetary credit cash transfer (?) for £0 and then nothing until after the date on the CCA. I honestly can't remember when it was opened so don't know which date is correct. Is there any reason why there would be a start date of 2002 if the account was opened in 2005?

Thanks.

[ShinyOwl]

Surely then it is statue barred if it is that old? If the details are not yours then you can tell them to return it to lender because the information doesn't match yours. You can also use the information they gave you and send it to the credit agencies and say that they are demanding money from the wrong person....

[bluesky90]

Surely then it is statue barred if it is that old? If the details are not yours then you can tell them to return it to lender because the information doesn't match yours. You can also use the information they gave you and send it to the credit agencies and say that they are demanding money from the wrong person....

Hi ShinyOwl, thank you for your response, apologies for the delay in replying. I don't think it would be classed as statute barred as I've been making regular payments on it.

Sorry should have explained myself better in the first post, it is definitely mine as it also has my name and address at the time and my signature as well as someone else's. I've attached a copy of the CRA and also the list of t's & c's they sent. Would it be enforceable?

Also, I was just wondering what would happen if there were 2 credit agreements with different terms, dated several months apart? Which one would be classed as the original, the earlier one or the later one?