Can and original HP credit agreement be used for a rewritten HP Loan?

[laverda1147]

About 4 years ago I made an agreement with a company for HP finance on a car. I have a copy of the agreement and the monthly payments, number of payments etc are set out on the agreement.

" years ago I ran into financial difficulty which resulted in my been unable to meet the re payments. The company involved reduced the instalments due but of course insisted on re-writing the agreement. This meant different repayments for a longer period of time.

I recently sent a subject access request to the company involved, statements etc were sent which shows the original finance been settled and a new account started. The original agreement was also included but the re-written agreement was missing.

I wrote and queried the fact that the re written agreement was missing ( I know I signed one)and the response was we do not need to send a copy of the re-written agreement as the original loan agreement was sent.

Do they need to produce a copy of the re-written agreement,given all the facts above, in order for this to be enforceable in law?

[amilucky]

if they started a new account then i would have thought they should show an agreement for that account ? 2 seperate accounts, 2 agreements?