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are these debts legally enforceable?

jayrwilliamson
jayrwilliamson Posts: 3 Newbie
in Debt-free wannabe
I have been contacted with regards apparent debts for an aa credit card and an aa loan. I have disputed these debts and now both accounts are now with collection agencies. I have contacted both agencies over a month ago requesting a copy of the original credit agreement with as I understand it they are legally obliged to provide under the consumer credit act 1974. as of today they havent provided said agreement. are these debts legally enforceable?

Comments

  • RAS
    RAS Posts: 36,403 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    jayrwilliamson wrote: »
    I have contacted both agencies over a month ago requesting a copy of the original credit agreement with as I understand it they are legally obliged to provide under the consumer credit act 1974.

    How did you request the CCA. Did you send the £1 statutory fee?
    If you've have not made a mistake, you've made nothing
  • jayrwilliamson
    jayrwilliamson Posts: 3 Newbie
    i requested the cca by recorded post with a £1 postal order enclosed. I've kept proof of postage and made a record of the postal order serial number. I've also got my own hard copy of the letter.
  • jayrwilliamson
    jayrwilliamson Posts: 3 Newbie
    o yeah, and i've had letters confirming they have recieved my letters.
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