I just thought I'd post list for your chuckles
I noticed a Default on my credit file. So wrote to Lowell Group requesting CCA etc etc.
Finally got a letter from Naturally Close (Lingerie catalogue) I'm a man, and not that way inclined!
Anyway, Naturally Close quoted "The Account was originally opened on 18th Feb 2007" and "We are under no obligation to supply you with a signed copy of your agreement at this time. However please find enclosed a Reconstituted "True Copy" of your agreement allong with the terms and conditions..." blah blah..
Firstly, no such agreement has been signed by me, so unsure how it can be a Reconstituted "True Copy", and secondly, the address on the copy is my current address. I wasnt living at my current address in Feb 2007, nor was I for at tleast 4 years after.
They sent two different copies of the "CCA"
Page 1 of one "CCA" states 39.6% interest.
Page 1 of the other states 36.9%
Both with the incorrect address for when the agreement was taken out..
Funny how when I brought this to the attention of Lowell, and have been chasing them weekly for 6 weeks, that they dont reply.
I've just opened a case with the Financial Ombudsman.