Hi the ghost, Thanks for your reply and for providing the link. I have now read the OFT guidelines to what a CCA must include and understand most of it. I have just looked at what they sent me again more carefully and realise they have sent 2 copies, one is dated 2008 and says recon copy and includes everything it should and the other is dated 2010 and says current but does not include my name or address. I am now confused by this and unsure what the 2010 one is supposed to be. Is it an updated version perhaps?

Hi Sidewinder, Thanks for replying so quickly. The only problem I have now is that I don't remember ever signing a copy of such a form in the first place, the one they sent me has no signature on it, and are there any other templates that I can send that may help get them off my back once and for all?

Hi all, I am new here so I hope I am doing this right! I have an ongoing dispute with Lowells over a catalogue debt. It is not statute barred as it is only 3 years old. I sent the standard CCA letter to first of all Scotcall along with £1 postal order which they returned a week later saying they were referring it back to the client. 2 weeks later I had a letter from Red Collections ( Lowells) demanding payment. I again sent a CCA request and £1 PO, 2 weeks later I had a letter from Lowell saying they had applied for a copy and were waiting to hear from their client. I allowed them 17 days and as I heard nothing I sent them the CCA failure letter to which they replied that they were still trying to retrieve the CCA and would not remove my data although they did not demand payment. Today I have received a letter and what they call a "reconstituted" CCA which is basically a blank CCA and they state that " under section 77/78 of the Consumer Credit Act of 1974, we are not obliged to send you an exact copy of your signed agreement. We are required by those sections of the Consumer Credit Act 1974 to provide you with a reconstituted copy of the version you would have signed." They seem to think they have upheld their obligation to me by sending this and are now demanding payment within 7 days. Has it come to the end of the line now and should I just pay or is there anything else I can do?? I don't for one second think they have fulfilled my request for a true signed copy of my CCA from my creditor as what they have sent is blank. What do I do now? I have 7 days to reply before they come knocking again!