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Advice About CCA Request Letter
GGM_2
Posts: 13 Forumite
****Please people, if you are sending a CCA request as above please add in this sentence at the top of the letter:
***I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY.
I have sent out a few letters without the above wording and was wondering if I have made a big mistake or not?
Could a kind soul explain or point me to a link/message as to what I can do about it, if anything....
The wording I used is pasted below .......... I dont remember where I found this template...
This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.
I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77(6) will apply.
If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.
Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).
I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.
If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.
We look forward to hearing from you.
Yours faithfully
***I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY.
I have sent out a few letters without the above wording and was wondering if I have made a big mistake or not?
Could a kind soul explain or point me to a link/message as to what I can do about it, if anything....
The wording I used is pasted below .......... I dont remember where I found this template...
This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.
I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77(6) will apply.
If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.
Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).
I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.
If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.
We look forward to hearing from you.
Yours faithfully
0
Comments
-
Hi,
Not really, so don't worry.
Even National Debtline's template letter doesn't have that in it.
But, it's something you could add once whoever doesn't come up with a CCA.0
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