Ive just recieved a response from Shop Direct in response to my CCA request.
It is as follows:
Re: Credit Agreement Request
We refer to your recent requestfor a copy of your credit agreement.
Please find enclose a copy of your current credit agreement, which includes all applicable contractual variations and amendments that have taken place since your account was opened.
According to our records, your account was opened on 28th June 2003. The current outstanding balance is #2781.16. Our records show that in the past 12 months, #493.03 has been paid and an amount of #364.40 has become payable but remains unpaid.
You agree to make payments every 28 days in accordance with the terms of the relevant catalogue. We also issue statements every 28 days requesting the relevant amount from you.
I'd therefore like to take this opportunity to remind you that such payments must be made in order to avoid a default charge of #12.00 being applied to your account and a notice of default being sent to certain credit reference agencies.
We regulary share information regarding the performance of your account with the credit referance agencies, which is retained on your credit fuile for 6 years.
In order to avoid such detriment to ypur credit file, please conatct us on 0844 822 4090 to make a payment for any amounts overdue.
As well as this letter they have also sent a copy of a standard CCA which does not include a signature and doesnt even have my details printed on them. I have also not recieved what i would deem to be a 'statement of account' as i requested.
Would somebody be able to offer advice as to where i stand and possibly a link to what letter i should be sending back?
Thanks in advance