CCA Request - missing statements

meghji

Hi All

I had requested a CCA from PRA Group for a May 2000 Egg Card agreement.
They have sent a copy of the agreement and statements from Mar 2009 on wards.
The problem is that I am still unaware if I had any PPI on this agreement.
Can I insist that they provide all the missing statements and if they do not, what redress

Any help would be appreciated

Thank you

fermi

A CCA request requires a "statement of account". It does not require a creditor or collector to provide historic account statements. They are something different.

See: http://www.legislation.gov.uk/ukpga/1974/39/section/77

and/or

http://www.legislation.gov.uk/ukpga/1974/39/section/78

for what is required in such a statement.

sourcrates

What date is on the copy agreement ?

Is that from 2009 also ?

meghji

Hi Sourcrates
The date of the copy agreement is May 2000.

sourcrates

meghji wrote: »

Hi Sourcrates
The date of the copy agreement is May 2000.

Is it compliant ?

Original copy or a cut and paste job ?

To be compliant it must first be legible, should contain specific terms and conditions etc etc

National_Debtline

Hi

You could make a subject access request (SAR) using your rights under the Data Protection Act. The creditor can charge you up to £10 but you can make them provide any specific information they hold on you.

There is a sample letter for making a SAR request here:
www.nationaldebtline.org/EW/factsheets/Pages/39%20EW%20Credit%20agreements%20-%20getting%20information/Page-06.aspx#

James
@natdebtline

meghji

Thanks for all the help