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ACR Group - CCA Response

M_CP
M_CP Posts: 34 Forumite
Eighth Anniversary 10 Posts
in Debt-free wannabe
Hi Everyone 

I sent out CCA requests this week for my lenders.

ACR Group came back to me with the following? They haven't attached the agreements or anything signed by me.

Is this enforcable? 

Comments

  • fatbelly
    fatbelly Posts: 23,754 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    edited 4 December 2025 at 5:59PM
    It's not a compliant credit agreement, is it?

    So I would say not enforceable

    Their response also indicates that they don't understand the Consumer Credit Act. Not your job to educate them. Hopefully Payplan will understand why you want to stop paying Klarna.
  • M_CP
    M_CP Posts: 34 Forumite
    Eighth Anniversary 10 Posts
    fatbelly said:
    It's not a compliant credit agreement, is it?

    So I would say not enforceable
    I thought this! What’s the best course of action? This is the first response I get from one the letters so not sure what to do 
  • fatbelly
    fatbelly Posts: 23,754 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    Tell Payplan it's unenforceable and you want them taken out of the plan.
  • ManyWays
    ManyWays Posts: 2,203 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    This Klarna debt, was it originally a pay in 3 type debt? 
  • M_CP
    M_CP Posts: 34 Forumite
    Eighth Anniversary 10 Posts
    ManyWays said:
    This Klarna debt, was it originally a pay in 3 type debt? 


    Yes, I believe so. Why? Does it make any difference? This has been in a payment plan for about 18 months now so I can’t remember
  • ManyWays
    ManyWays Posts: 2,203 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    edited 5 December 2025 at 5:38PM
    I  dont think klarna pay in 3s are consumer credit act agreements, and so there may be no CCA agreement to produce.

    Klarna does have some longer term lending which has an interest rate and is definitely a CCA agreement. 
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