Received letter from M&S today recoded delivery. There are 4 sheets.
Sheet 1. Covering letter saying sheets 2,3&4 comply with cca
Sheet 2 - a reconstituted copy of application/agreement form. This is blank where my signature should be. Also loan was from spring 2004 however address on reconstituted copy is one I did not move to until end 2009. Also there is no agreement date or term in months or interest rate just an interest amount, monthly instalments are stated as £0.00
Sheet 3 - standard copy of terms and conditions
Sheet 4 - statement of transactions
To my untrained eye the reconstituted agreement is not satisfactory as it has wrong address, no interest rate, monthly oayment of £0.00 and does not bear my signature. Also agreement date is blank as is date below scanned M&S official signature.
Your advice re reply would be much appreciated.