Can someone please help me, I'm scared.

MCBIRNIE25

A,send this to the photo company address you have.Send it by registered post to make sure it is signed for.Ask your creditor for a copy of your credit agreement under the Consumer Credit Act 19741 High Street,Newtown,KentR21 4RHJune 28, 2006The Loan CompanyCompany House,Church Street,Newtown,Kent,R1 7HGDear Sir/MadamRe:− Account/Reference Number 4563210025897412With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement. 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 faithfullyMr A N Other__________________They have 12 days then to respond to this.Also, seend an amended copy to the debt collection agency.Ask your creditor for a copy of your credit agreement under the Consumer Credit Act 19741 High Street,Newtown,KentR21 4RHJune 28, 2006The Loan CompanyCompany House,Church Street,Newtown,Kent,R1 7HGDear Sir/MadamRe:− Account/Reference Number 4563210025897412With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement. 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.Furthermore, I am now requesting that all communications from your company be in writing, this is my right under British Law.If i receive any further calls, i will be seeking damages for all the harrassment and stress caused by your company. I will also instruct my MP to make an official complaint against your company which could mean your consumer creditlicence being revoked.We look forward to hearing from you.Yours faithfullyMr A N Other__________________This should get the point across. In 12 daysyou will either have the cca, or you won't, then we move on to the next part of the strategy.

MCBIRNIE25

oops, sorry i've pasted that so badly. You get the drift though...

a87

THANK YOU!! xx