CCA Requests - Pre and Post 2007

glentoran99

Sorry if this is elsewhere but i cant find it,

Could someone some up what exactly changed in 2007 regarding CCA's? ive 3 creditors, 1 post and the 1 other 2 from 2006, Ive sent requests but wondering what am i looking for when they reply?

National_Debtline

Hello there,

In a nutshell, any agreement taken out after 6th April can never be deemed to be irredeemably unenforceable. That means that a court could allow for a credit agreement to be enforced regardless of what paperwork the claimant has or doesn't have.

For agreements taken out prior, it is still possible for agreements to be irredeemably unenforceable - for example if they are missing a key term or are unsigned by the debtor. There are a few other instances where an agreement could be irredeemably unenforceable too - but these are quite uncommon by comparison.

Hope this helps!

David @ National Debtline.

glentoran99

Thank you, very helpful

National_Debtline

You're welcome.

David.