how to ask for credit agreement

michelle1985_2

Hi can someone tell me where there is a template of the letter to send for a copy of the signed credit agreement as my partner has a littlewoods catalogue and we are almost certain he didnt sign it. Can someone tell me what we have to do or send me to where it will help me what to do. Thanks michelle

poorandindenial

Hi Michelle

There are some standard template letters on https://www.nationaldebtline.co.uk

When you send the letter make sure that you DON'T sign it - there have been stories of DCAs scanning in letters and pasting signatures into CCAs to make them look signed so it is better to be safe than sorry.

setmefree

There you go, use a postal order


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 recorded 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

michelle1985_2

thank you what were the dates when you took out the credit to if you can try to get the debt wiped away

LilacPixie

I don't think you can get debt 'wiped away' but you can get it deemed to be unenforcable if statute barred. 6 years after last payment or acknowledgement in England and Wales or 5 years in Scotland.