Hi,
Thanks for the advice.
My CCA request asked for a 'true copy of the credit agreement'.
The above document seems to be just a simple application form so I assume they are in default.
I will do as you say and send the letter as you have suggested but I wonder if I should once again give them 7 days before I complain to the fos?
I have already given the 7 days in my last 2 letters, so would it not be better to simply go ahead and make the comlaint?
Thanks again.
Just in case you cant use the link to view the document above I'll post it directly here...