Letter for enforcing debts

**laura**

Hi, we are on a DMP and I'm reading a lot about some debts not being enforceable if creditors can't send copies of your signed agreements. If I send these are they likely to have a negative effect on my DMP? As in will I rile the creditors and them chose to no longer accept our DMP?

cmc_entertainment

Have a read here

http://debtcamel.co.uk/statute-barred-debt/

And also other posters will have some advice

National_Debtline

Hi Laura

Debts that are regulated by the Consumer Credit Act (CCA) such as loans and credit cards are not enforceable in court if the creditor can’t supply a ‘true’ copy of the credit agreement. This doesn’t necessarily have to be the actual signed original, but should contain all of the important terms and conditions and information on any changes made to the agreement.

You have a right to make the request and the creditors shouldn’t have an issue with it. There are various reasons someone might want a copy, such as simply wanting to check information.

There is more information and a sample letter for making the request on this factsheet:
www.nationaldebtline.org/EW/factsheets/Pages/getting-information/credit-agreement-advice.aspx#quicklink1

James
@natdebtline