obtaining copy of credit agreement

jamie304

I recently asked a debt collection agency to supply me with a copy of the original credit agreement for the debt they are pursing (NatWest Credit card). I enclosed the appropriate fee. However I have heard nothing form them despite the fact they cashed in the cheque some time ago. Am I right in thinking they are legally obliged to send it to me within 12 days? What action can I take against them if they dont?

$17mma

I think they have something like 20-30 days.

fatbelly

It's 12 working days.

However, I'm a bit hazy on this process and how useful it is. Don't you have to request the agreement from the original lender?

Entrepreneur_en_faillite

You can do wither, if you request it via the debt collector they can charge, whereas usually the original loan company will give you a copy free.

Good luck, I think you will struggle to get a copy from anyone in my experience!