Credit Agreements ???

luckymum_3

thank you ..
i will think about it more ...
i am also going to get in touch with the national debtline for some help and advice as well...

RAS

Here is the letter.

Expect them to up the ante as they will try to get him to cough up before 12 days is up.

here is the letter.

The Loan Company
Company House,
Church Street,
Newtown,
Kent,
R1 7HG

Dear Sir/Madam

Re:− Account/Reference Number 4563210025897412

I do not acknowledge any debt to your company.

With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement.

1. We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a copy of our credit agreement on request; your obligation also extends to providing a statement of account. . We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

2. A signed true copy of the deed of assignment of the above referenced agreement that you allege exists.

We understand a copy of our credit agreement should be supplied within 12 working days.

3. You are notified that you are obliged to supply these documents, whether you are the original creditor or not under S189 of the CCA 1974.

We understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

We look forward to hearing from you.

Yours faithfully
Mr A N Other

Remember not to sign it, just print your name!

luckymum_3

thanks for the letter... so i can copy this letter to send to all creditors as long as i state somewhere on it that once cca has been received payments will then continue... and i am not to sign it ...also what is 12+2 days ,does that mean 14 days from the day i post it ... also what if i hear nothing from them within this time and it then exceeds the 30 days after , what do i do then ..thanks again

Ames

It's 12 working days from the day they sign for it, then two days added on to that.

You can use it for all your debts except overdrafts.

RAS

Not quite

It does not cover mobile phones as a rule.

But older CCs, loans and older catalogue debts are covered.

it is stuff after April 06 you need to check out by calling NDl first.

luckymum_3

thanks , just couple of catalogues and a credit card , no mobiles etc.... do have a couple of them that were in 06.. so not sure how i will get on..

RAS

LM

I cannot remember whether the 06 change in rules affected debts taken out after April 06 or whether the change took affect from April 07, or some such date. Fermi knows, but the easy thing is to rrng NDl and ask them.

luckymum_3

thank you , will do ...