But I heard that they could only supply a recon agreement aslong as they could also prove they had the original?

What if I made a request for the Original Agreement? Don't they need that if they wanted to persue this in court?

Hi thanks for your reply, SO far this has all been in writing yes. Would you also suggest I cancel the current Standing Order while I reclaim charges or leave that running? Also would it be any help if I requested a True Copy of my CCA from them?

Hi, I'm Mary I'm new here as a poster but long time observer. I wondered if someone could help me with a situation I'm having regarding JD Williams, I'll try to add as much detail as I can. Firstly they said I owed £573, after I sent them a Unlawful Charges Form and a LBL that went down to £118, So I wrote asking them if I could pay that off £20 a month on the 26th of every month. They wrote to me saying yes with a direct debit form. ... However they tried to take the money out on the 21st twice and my wages weren't in there yet. So then I asked if I could set up a standing order in which £20 would come out every 26th and they agreed and gave me their account details, but they added on more charges for missed payments, also a charge as I only paid £20 instead of what they claim is the mimium of £60, now the debt has gone back up to £207 I have a CCA from them to but it's just a "Reconstituted" copt of the original. Is there anything I can do now? thanks.