Difference between revisions of "DCA: Non-Compliance of CCA Request"
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'''DO NOT IGNORE THIS LETTER - LITIGATION ADVICE''' | '''DO NOT IGNORE THIS LETTER - LITIGATION ADVICE''' | ||
− | Thank you for your letter of | + | Thank you for your letter of <span style="color:red">xx/xx/xx </SPAN> , the contents of which have been noted. |
You have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for the above account. | You have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for the above account. | ||
− | On the | + | On the <span style="color:red">**DATE** </SPAN> I wrote to you requesting a copy of the credit agreement and other information under the Consumer Credit Act 1974 (Sections 77-79). |
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+ | On <span style="color:red">**DATE** </SPAN> a member of your staff signed for delivery of my written request and I have an electronic proof of delivery showing their signature and the date. | ||
To date you have failed to comply with these requests in any way, whether by confirmation of receipt of the request or by supplying the requested documents. | To date you have failed to comply with these requests in any way, whether by confirmation of receipt of the request or by supplying the requested documents. | ||
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These documents I requested should be readily available as proof of your legal right to collect this account under the Consumer Credit Act 1974. | These documents I requested should be readily available as proof of your legal right to collect this account under the Consumer Credit Act 1974. | ||
− | In my letter of the | + | In my letter of the <span style="color:red">**DATE** </SPAN> I made a formal request for a copy of the signed, executed credit agreement for the above account under section 77(1) of the Consumer Credit Act 1974. In addition a full statement of this account should have been sent to me detailing all debits and credits to the account. |
Furthermore, you are aware that the Consumer Credit Act allows 12 working days for a request for a true copy of a credit agreement to be carried out before your client enters into a default situation. | Furthermore, you are aware that the Consumer Credit Act allows 12 working days for a request for a true copy of a credit agreement to be carried out before your client enters into a default situation. | ||
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Yours faithfully | Yours faithfully | ||
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Latest revision as of 17:03, 16 October 2009
Non-Compliance of CCA Request
The Consumer Credit Act allows 12 working days for a request for a true copy of a credit agreement, after which they are in default. After a further 30 calendar days they are committting a summary criminal offence.
Carefully adapt the following letter (courtesey of CurlyBen) to reflect your circumstances and send off to the original creditor or debt collecting agency
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