I have received a response from my local trading standards office regarding my letter of complaint with 1st credit. It says:-

""You complaint has been allocated to Mrs ******* who will make some initial enquireis re the trading practices of 1st credit and should be in contact with you within 3 working days of this acknowledgement.

In your letter you refer to 1st Credit and to 77 + 78 of the CCA 1974. As you rightly point out these refer to the requirements to provide a true copy of the agreement. As the account appears to be a credit card account the relevant section would be section 78. A true copy is not an exact reproduction of the original agreement. It is permissible for a copy of a pro forma agreement, for example of the type the debtor signs, to be sufficient. This should include details relevant to the alleged debt sufficient to identify it.

Failure to comply is not an offence, however we will make attempts to communicate further with the company via Surrey Trading Standards.

The matter of harassment will have to be considered on the Officer has seen sight of alll your correspondence and had the opportunity to obtain further evidence, this may take some time."""

Am I reading this wrong or does she say that they dont have to provide me with a signed copy of my agreement - just one like it????

Still nothing to report off all the others.