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    • AndyPandy76
    • By AndyPandy76 6th Jan 18, 11:21 AM
    • 16Posts
    • 1Thanks
    Requested credit agreement but have not received - what next?
    • #1
    • 6th Jan 18, 11:21 AM
    Requested credit agreement but have not received - what next? 6th Jan 18 at 11:21 AM
    Hi all, I have requested the credit agreement for an old debt (which you all very kindly helped me with). So I received a letter back saying they could not get it in the 12 days and needed 40 days which has now well passed. So what is my next step is there a template letter I can use? Oh and they did cash the 1 cheque I sent with the original request.

    Many thanks once again
Page 1
    • sourcrates
    • By sourcrates 6th Jan 18, 12:22 PM
    • 14,346 Posts
    • 13,536 Thanks
    • #2
    • 6th Jan 18, 12:22 PM
    • #2
    • 6th Jan 18, 12:22 PM

    You don't need to do anything at all.

    Until the company comply with your request, the debt remains unenforceable in court, and you are not required to make any payments to the debt.

    These requests for information, can take time, the timescale given is just a basic guide, not a mandatory requirement, it normally takes up to three months, but can be longer, the longer it takes, the less likely it is they will find it.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to Any views are mine and not the official line of

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see :
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