Guide to requesting CCA's - please help

alex2258867

Hi,

Please forgive me if this information is posted on the forum, I have trawled through and all I have managed to gain is a headache!

Can someone quickly explain the request for CCA's? What exactly you need to do and what can be accomplished?

Perhaps a link to a fools guide?

Any advice would be greatly appreciated.

Many thanks

GeorgeUK

Details: http://forums.moneysavingexpert.com/showthread.html?t=578486
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Basically you have a legal right to request a copy of the credit agreement at any time.
If signed before 6th April 2007, the agreement must have certain terms on it to be legally binding. If after 12+2 working days the agreement is not produced, the debt is unenforcable outside of court. If a company takes you to court (or threatens to), they must provide the credit agreement to show that the debt is yours and that it is enforcable.