What a bunch of w***ers!!

smashedbooboo

You dont give any grounds. Just send off the template letter with a postal order for 1.00. Do not sign your name on anything. sorry, when was the original loan taken out. Just finished work and brain not working properly.

mrsspendalot

It's my husband's car finance that he took out before I met him, and I think it was early 2002 (or late 2001). He defaulted later on 2002 and they recovered the car. We have been paying Thames Credit monthly ever since and still owe £3900, which is mostly insurance policies, windscreen cover, etc. I don't know where the template letters are ... I just thought it might seem a bit odd if after years and years of paying we suddenly ask for a CCA.

Tiglet

Mrs. S: The link to the template letter is in post no. 11

setmefree

Or give them the even more aggressive version


I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY

Request for information under the Consumer Credit Act 1974

To Whom it may concern,

Ref Number
As per sections 77-79 of the above act, I hereby request a True Copy of the Original Executed Agreement for the above account number.

It is my understanding that:-

* By law, you must comply with this request within 12 working days of having received it. I am sending this letter Special Delivery.
* The statutory fee of £1 is required to be paid for this information, and I have enclosed a £1 Postal Order.
* In responding to my request to supply a True Copy of the Original Executed Agreement, you must also provide any and all documents referred to in it. Where this may include Terms and Conditions as varied, I hereby specifically request a True Copy of all the inception Terms and Conditions which form the original agreement, and all variations to them since. I support this request with County Court Pre-Action Protocol 4.6 ( c ) .
* Should you fail to comply with this request in any part, or exceed the prescribed time allowed to respond, you shall be in default of this act and legal request.
* Whilst you are in default, and until such time as you fully comply, -you may not pursue, enforce or increase any alleged indebtedness, nor disclose any information regarding me to any third party what-so-ever.
* If you fail to fully comply with this act and request for 12 working days plus one calendar month, you will have committed an offence under the act.

If you are unable to supply a True Copy of the Original Executed Agreement and all documents therein (and specifically the inception Terms and Conditions), I would be grateful if you would confirm this in your response within the 12 working days allowed.

Yours faithfully