Advice please

pixsy1983

I was reading on another website that a lady had sent the standard letter below and when she received a letter back from the debt company they stating that she had accepted the debt because she had paid money in to the account. This happened to be the £1 Postal Order sent. Now Should I add something onto the letter, like the £1 postal order is for the cost of retrieving the alleged signed agreement and is not to be used as a payment towards this debt as I do not acknowledge this debt.

Thanks

Dear Sir

I do not acknowledge ANY debt to your company. I require you to supply the following documentation before I will correspond with you further on this matter.

1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement, under the legislation contained within s.78 (1) Consumer Credit Act 1974 (change this to s.77 (1) for fixed sum credit such as loans etc).

2. A full statement of account.

3. A signed true copy of the deed of assignment of the above referenced agreement that you allege exists.

You are notified that you are obliged to supply these documents, whether or not you are the original creditor, under s.189 of the Consumer Credit Act 1974. I enclose a £1 postal order in payment of the statutory fee, PO Serial Number xxxxx.

Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to the relevant statutory authorities.

As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the Consumer Credit Act and therefore is a complete defence to any court claim that is issued.

Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested.

Yours faithfully

DanielD2008

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