Hello,
I have send Lloyds TSB a letter requesting a true copy of the original credit agreement under Consumer Credit Act, they responded with a reconstructed agreement. I then went on to make a further request under CPR 31.16 to obtain a true copy of the signed agreement. TSB responded saying:
"At present, we are unable to locate your original signed agreement and cannot, therefore, provide you with a copy of the signed agreement at the moment"
"Please treat this letter as our final response"
To date they have failed to meet my request under the Pre-Action Protocols. Where do I stand now and what should I do next.
If they are unable to supply the signed agreement what can the courts do about it?
Thanks,
Kaarejen