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Asking for a Credit Agreement

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Rjhsteel
Rjhsteel Posts: 244 Forumite
Part of the Furniture 100 Posts Name Dropper
in Debt-free wannabe
I've sent emails and filled in online forms asking for my credit agreements on the debts i have.

I noticed on the template letter it says a copy should be supplied with 12 working days. What happens if there's no CA sent or just a letter saying they are looking into it?
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  • Just_Di
    Just_Di Posts: 385 Forumite
    Sixth Anniversary 100 Posts Name Dropper Photogenic
    Rjhsteel wrote: »
    I've sent emails and filled in online forms asking for my credit agreements on the debts i have.

    I noticed on the template letter it says a copy should be supplied with 12 working days. What happens if there's no CA sent or just a letter saying they are looking into it?


    A s77-79 CCA Request is only valid if you pay the £1 statutory fee with the request.

    If you made your request by email or online then I'm assuming you haven't paid the fee.

    If that is the case then you will need to resend them by post together with the fee.

    Di
  • Rjhsteel
    Rjhsteel Posts: 244 Forumite
    Part of the Furniture 100 Posts Name Dropper
    Just_Di wrote: »
    A s77-79 CCA Request is only valid if you pay the £1 statutory fee with the request.

    If you made your request by email or online then I'm assuming you haven't paid the fee.

    If that is the case then you will need to resend them by post together with the fee.

    Di

    I thought you didn't have to pay the fee now?
  • sourcrates
    sourcrates Posts: 31,555 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    Rjhsteel wrote: »
    I thought you didn't have to pay the fee now?

    No, that only applies to subject access requests, a request under sec 77/79 still costs a £1 statutory fee.

    Some creditors return the fee, some don’t.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • Rjhsteel
    Rjhsteel Posts: 244 Forumite
    Part of the Furniture 100 Posts Name Dropper
    Silly question, but how did you enclose the £1 fee? Cash, cheque or other?
  • Willing2Learn
    Willing2Learn Posts: 6,294 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Hi,

    Most people send a Postal Order, but if you have a chequebook than that would be better (as there is no admin fee) :)
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    :smiley:
  • Rjhsteel
    Rjhsteel Posts: 244 Forumite
    Part of the Furniture 100 Posts Name Dropper
    Willing2Learn wrote: »
    Hi,

    Most people send a Postal Order, but if you have a chequebook than that would be better (as there is no admin fee) :)

    Just checked and its a 50p admin for PO's. Have to dig out my cheque book!
  • Rjhsteel
    Rjhsteel Posts: 244 Forumite
    Part of the Furniture 100 Posts Name Dropper
    Had some responses already. What happens if they don't have the credit agreement?
  • fatbelly
    fatbelly Posts: 22,972 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    They can reconstruct your original agreement. But the account stays unenforceable until they provide you with something that fulfils the guidance.

    Sometimes they will have to go back to a previous owner of the debt; sometimes that produces the original agreement, sometimes it doesn't.
  • Rjhsteel
    Rjhsteel Posts: 244 Forumite
    Part of the Furniture 100 Posts Name Dropper
    fatbelly wrote: »
    They can reconstruct your original agreement. But the account stays unenforceable until they provide you with something that fulfils the guidance.

    Sometimes they will have to go back to a previous owner of the debt; sometimes that produces the original agreement, sometimes it doesn't.

    I thought the whole point was that they had to provide the original agreement not "reconstruct" one?
  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Rjhsteel wrote: »
    I thought the whole point was that they had to provide the original agreement not "reconstruct" one?

    No, Reconstructed is fine.
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