Requesting CCA's

mrsvickibera

Hi

I requested Credit Agreements for a few of the catalogues that are being paid by my DMP.

I used the template letter from National Debtline.

The catalogues have sent me copies of a credit agreement but not one which I have signed.

Are they just being sneaky here thinking I will just leave it? Shall I reply asking for a copy of the one signed by myself?

GeorgeUK

Did you pay the £1 fee?

If so, there are letters available on the site that you can use. If you don't receive a copy of the credit agreement (blank ones don't count as they are required to be in your name at the very least) within 12+2 working days, then they are in breach of the Consumer Credit Act.

You can send the 12+2 day letter.

They are not required to provide you with a copy of the original signed document - due to the amendments in 1985 they can provide a reproduction, but it is only the signature that does not need to be on it - all other details should be.

Was the agreement made before 6th April 2007? If so then the 2006 amendments won't come into affect.

Here are some more details.
Details: http://forums.moneysavingexpert.com/showthread.html?t=578486
Legislation: http://forums.moneysavingexpert.com/showthread.html?t=1496721

fatbelly

Their actions may well fulfil the requirements of the relevant laws (Consumer Credit Cancellation Notices and Copies of Documents Regulations) but the fact that they are not providing a copy of a signed agreement probably means that there never was one, or if there was, they've lost it.

If these accounts were opened pre-April 2007, they are probably unenforceable.

If this is the case, most catalogue companies can be persuaded not to persue the debt (i've never managed this with the Studio group)