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Lowell Portfolio 1 - is this a valid CCA??

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  • Lowell Portfolio 1 - is this a valid CCA??

    Hello there,
    I was wondering if someone can help just check that the CCA I have been sent by Lowell via Lloyds is actually valid? They say it is, but of course they would! They may be right, but I want some second opinions. I have attached it as a PDF for people to view and blacked out my personal data.

    If it is not valid, then can someone help me construct a letter in reply please?

    Just to make you aware, when I asked for the CCA agreement for this account, they actually sent me a letter saying that they could not obtain it and they were closing my account. I still have this. There may have been a clause saying that is it turns up then they'll be contacting me.

    Many thanks for taking a look, and I'll look forward to a reply from somebody.
    Attached Files

  • #2
    Re: Lowell Portfolio 1 - is this a valid CCA??

    Hi sleslie,

    i will give you my limited opinion on this, i am not too familiar with online applications but i am aware that usually a ticked box is sufficient to enforce.

    but from what i have seen i cannot see a ticked box and also what jumped out at me was that there is a line that states:

    CCA signed : yes

    which would point to the fact that their is a signed CCA ? as this is just an online ' application' and not an 'agreement' as such there are no terms and conditions that i can see either ?

    maybe someone with more experience will add to what i have said.

    Comment

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