CCA Request - £1.00 fee?

sleepless_nights

Hi all, firstly thanks for all your advice so far.

I have decided to send a CCA request to one of my creditor/dca's

I am using this template letter which I found in this forum. May I take this oppurtunity to thank the author of this letter. :T

Dear Sir/Madam

Re:− Account/Reference Number 4563210025897412

I do not acknowledge any debt to you or any other company or organisation that you claim to be representing.

With reference to the above, we would be grateful if you would send us a copy of this credit agreement, statement

of account and notice of assignment.

We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a copy of our

credit agreement on request. We enclose a payment of £1.00 which represents the fee payable under the Consumer

Credit Act.

We understand a copy of our credit agreement should be supplied within 12 working days.

We understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to

comply with a request for a copy of the agreement under these sections of the Act.

We look forward to hearing from you.

Yours faithfully

I've a few questions I'd like to ask BEFORE I send this letter.

1. Do I or should I mention that the £1.00 fee is ONLY for the purpose of requesting the CCA?

2. I am correct in thinking that I mustn't sign the letter, only print my name?

3. Can anyone suggest a better template letter or any other words to add or ammend?

Thank you all so much.

SN x

fermi

sleepless_nights wrote: »

1. Do I or should I mention that the £1.00 fee is ONLY for the purpose of requesting the CCA?

You can if you like. Some creditors apply it to the debts balance which they should not.

2. I am correct in thinking that I mustn't sign the letter, only print my name?

Not MUSN'T. But it is advisable not to. There have been a few cases of creditors/DCAs using a signature you provide to "reconstruct" documents they no longer (or never did) have.

3. Can anyone suggest a better template letter or any other words to add or ammend?

You could add:

"You are notified that you are obliged to provide this information whether you are the original creditor or not."

Hope that helps.

Bargee2

I'm going around this same loop at present but two companies AKTIV and CABOT. They just seem to ignore the request and continue to send threating letters. I know they have recieved the letters as they were sent by fax and I have a delivery receipt. When I called CABOT recently they hung up on me when having gone through the security stuff I told them I was recording the conversation!

Anyone any thoughts on the next step ?

Thanks

RAS

How long ago did you send the letters?