Trying to find a post

smcaul

I am trying to find a post that contains a sample letter to send to Credit card companies and the people they sell the debts to that asks them for information but that you are not admitting to the debt. The search function is not working for me at the moment and I have looked back through numerous pages but cant find it - if anyone can link to it I would be very grateful.

trafalgar_2

I can't find the post but have found this with loads of sample letters for various purposes

http://www.nationaldebtline.co.uk/england_wales/debt_advice.php#6

smcaul

That was just the thing, thank you :j :j

file_wizzard

Courtesy of http://www.debthelpuk.co.uk/cgi-bin/yabb/YaBB.cgi?board=On_Topic;action=display;num=1132168759

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Copy of letter to use if debt has been purchased by a debt-buyer. Enclose a £1 postal order in payment of the statutory fee and send by Recorded Delivery. They have 12 (working) days to respond. If they don't supply it within 30 days, they've committed a criminal offence. Report them to your local Trading Standards office.

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I do not acknowledge ANY debt to your company. I require you to supply the following documentation before I will correspond 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 (s.77 (1) for fixed sum credit) - your obligation also extends to providing a statement of account. I enclose a £1 postal order in payment of the statutory fee, PO Serial Number xxxxx.

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

3. You are notified that you are obliged to supply these documents, whether you are the original creditor or not under S189 of the CCA 1974.

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 CCA 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.