Tweet
Re: inspirational's UE diary
Ok, they replied! Fairly quick too, both replies are different though?
First one:
"I refer to the above account.
Please be advised the copy of your credit agreement provided is satisfactory under the Credit Consumer Act 1974 regulations.
Should you have any further queries please contact the office on xxxx xxxxxx
Yours etc"
Oh really lol
Second:
"I refer to your recent letter.
I am sorry that you were disappointed with our previous response. I believe that we have attempted to deal with your enquiries in an appropriate manner, but understand that the outcome was not acceptable to you.
In accordance with the Consumer Credit Act 1974 it is acceptable to supply you with a reconstituted copy as the creditor or owner may not have preserved a copy of the executed agreement. The requirement allows us not to provide an exact copy, a carbon photocopy, or microfiche copy and we can therefore provide a reasonable reconstituted copy.
Unfortunately we do not hold the original agreement. We have however, previously been able to provide you with a reconstituted copy , in accordance with the Consumer Credit Act Regulation 3(2), which expressly states that a copy need not be an exact copy.
We are confident that our agreements are wholly enforceable and therefore recommend that you must take whatever action you consider appropriate.
We are responding to your enquiry in respect of a loan with xxx xxx on behalf of xxx xxx.
Your complaint relates to the provision of documentation under the CCA 1974. I hope I have addressed the issues you have raised. We will consider your complaint closed if we have not heard further from you within 8 weeks. If you remain dissatisfied with our response you may refer your complaint to the Financial Ombudsman Service (see enclosed) within 6 months of the date of this letter.
Yours xxx"
Ooh, how nice!
Is there a standard template I can use for this?
Thanks!
Ok, they replied! Fairly quick too, both replies are different though?
First one:
"I refer to the above account.
Please be advised the copy of your credit agreement provided is satisfactory under the Credit Consumer Act 1974 regulations.
Should you have any further queries please contact the office on xxxx xxxxxx
Yours etc"
Oh really lol
Second:
"I refer to your recent letter.
I am sorry that you were disappointed with our previous response. I believe that we have attempted to deal with your enquiries in an appropriate manner, but understand that the outcome was not acceptable to you.
In accordance with the Consumer Credit Act 1974 it is acceptable to supply you with a reconstituted copy as the creditor or owner may not have preserved a copy of the executed agreement. The requirement allows us not to provide an exact copy, a carbon photocopy, or microfiche copy and we can therefore provide a reasonable reconstituted copy.
Unfortunately we do not hold the original agreement. We have however, previously been able to provide you with a reconstituted copy , in accordance with the Consumer Credit Act Regulation 3(2), which expressly states that a copy need not be an exact copy.
We are confident that our agreements are wholly enforceable and therefore recommend that you must take whatever action you consider appropriate.
We are responding to your enquiry in respect of a loan with xxx xxx on behalf of xxx xxx.
Your complaint relates to the provision of documentation under the CCA 1974. I hope I have addressed the issues you have raised. We will consider your complaint closed if we have not heard further from you within 8 weeks. If you remain dissatisfied with our response you may refer your complaint to the Financial Ombudsman Service (see enclosed) within 6 months of the date of this letter.
Yours xxx"
Ooh, how nice!
Is there a standard template I can use for this?
Thanks!
see what they do next
Comment