Debt is for £7800. Interest only was paid for a period of time until it became unaffordable. CCCS advised me to set up £1 per month payment to Halifax which I did for a couple of years. It is on my CRA file. I cancelled these payments in early December and sent a request to CEO of Lloyds Banking Group (Halifax) for a certified copy of the original credit agreement. Replies have been from the Manager of Card Services saying "There is no requirement under CCA to provide a copy of the original signed agreement, but notwithstanding that fact, please find enclosed a copy of the original agreement. .. I have now enclosed with this letter a copy of your reconstituted version of the executed agreement comprising both the correct original terms and conditions and a copy of your original signed application form.. . By providing you with the documents attached to this letter we have satisfied our obligation to provide a copy of the executed agreement under Section 78 and Section 60/61. .. As such, the agreement you have with us is fully enforceable and we shall continue to treat it as such. We will not be entering into any further correspondence with you regarding the requirements relating to the provision of copy agreement." Thanks

With the previous letter they sent a copy of their "reconstituted version of the executed agreement comprising both the original and current terms and conditions". It does appear that they are cobbling it together as they go along.

Here are the PDFs. Thanks.

Hi I have written to the Halifax to request validation of credit card debt (£7800) and asked for a certified copy of the original credit agreement. They have sent me a photocopy of the "original signed application form" and a "reconstituted version of the original agreement". The form was dated 7 July 2006. Is this 'agreement' enforceable? Thanks