Consumer Credit Act 1974 Matter

multifuction

Hi I will appreciate your help.
Will some one explain to me when you write to your creditor to supply a copy of the original agreement under the legislation contained within s. 78 (1) Consumer Credit Act 1974 (s77 (1) for fixed sum credit and it also adds that they will have committed a criminal offence if this documents are not received in 28 days.
Well I want to know if 28 days have passed without them sending these documents were do you complaint and how.
Thank you in advance.

YorkshireBoy

I'm no legal expert, and I can't answer your question directly, but this (Ministry of Justice) document...

http://www.statutelaw.gov.uk/content.aspx?LegType=All+Primary&PageNumber=53&NavFrom=2&parentActiveTextDocId=436428&ActiveTextDocId=436521&filesize=40814#243128

...seems to state there is a £1 charge payable (introduced in May 1998 by Statutory Instrument 1998/997).

Has the requirement for a fee been subsequently repealed, or have/haven't you sent it?

multifuction

Hi
Thank for your info but I still have no clue reading the gov web.
Any more out there I need more help please on the same subject?
Thankyou once again.

stiffnuts69

If the creditor does not sent you a copy of the agreement after 12 working days the creditor cant enforce the agreement, after another month they commit and offence.

Your request must be accompanied by £1

multifuction

Thanks for your help sorted now.
You make the complant to the.
Information Commissioner's Office
Casework and Advice Division
Wycliffe House
Water Lane
Wilmslow
Cheshire SK9 5AF
:T