They are not entitled to enforce an agreement regulated by the Consumer Credit Act until such time as they send you a copy of the correct agreement which you signed. Under section 77 or 78 of the Consumer Credit Act you are entitled to have a copy of the agreement you signed and for which you are required to pay the princely sum of 1 pound.
If they don’t supply you with a copy of the agreement, they are not entitled to enforce the terms of the agreement until they do.
Please note that this only applies to agreements which are regulated under the Consumer Credit Act.
For a fixed amount of credit it is section 77 (such as a loan) of the Consumer Credit Act 1974 which applies and section 78 applies in respect of rolling (variable/credit card) credit.
If you look at each of the sections, you will see that you have to send them a fixed payment of a pound under sub section (1) and that under sub section (4) (a), they are not entitled to enforce the agreement.
It is certainly worth trying that angle
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