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This is a basic request for a copy of your regulated consumer credit agreement which you are entitled to under sections 77 - 79 of the Consumer Credit Act 1974 (CCA)
These sections cover lending such as;
Fixed sum Credit (S77): Loans
Variable Sum Credit (S78): Credit Cards, Catalogues
Hire Purchase (S79): HP agreements
nb. Utilities, Telecoms, Broadband, TV, Rentals, Overdrafts and Banking Accounts are NOT covered by the CCA.
The letter should be sent to the original creditor or to the debt collection company if the debt has been assigned to them.
NB: If you have received a court claim and are sending this as part of the first steps (after acknowledgment of the claim) then it would be advisable to send a copy to the solicitors address for their information at the same time.
Joint accounts
Single accounts
You can send a slightly more in depth version of this letter if you so desire.
The Consumer Credit Act 1974 can be found here
The FCA Guidance on the Consumer Credit Act copy agreements (valid from April 2014) is here.
These sections cover lending such as;
Fixed sum Credit (S77): Loans
Variable Sum Credit (S78): Credit Cards, Catalogues
Hire Purchase (S79): HP agreements
nb. Utilities, Telecoms, Broadband, TV, Rentals, Overdrafts and Banking Accounts are NOT covered by the CCA.
The letter should be sent to the original creditor or to the debt collection company if the debt has been assigned to them.
NB: If you have received a court claim and are sending this as part of the first steps (after acknowledgment of the claim) then it would be advisable to send a copy to the solicitors address for their information at the same time.
Joint accounts
Your name
Your address
Your address
Your Postcode
DATE
Creditor Name
Creditor Address
Creditor Address
Creditor Postcode
Dear Sir/Madam
Re:− Account Number xxxxxxxxxxxxxxxxxx
With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement.
We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a legible copy of our credit agreement on request. We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.
We understand a copy of our credit agreement should be supplied within 12 working days.
We look forward to hearing from you.
Yours faithfully
NAME
Your address
Your address
Your Postcode
DATE
Creditor Name
Creditor Address
Creditor Address
Creditor Postcode
Dear Sir/Madam
Re:− Account Number xxxxxxxxxxxxxxxxxx
With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement.
We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a legible copy of our credit agreement on request. We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.
We understand a copy of our credit agreement should be supplied within 12 working days.
We look forward to hearing from you.
Yours faithfully
NAME
With reference to the above agreement, I would be grateful if you would send me a copy of this credit agreement.
I understand that under the Consumer Credit Act 1974 (Sections 77−79), I am entitled to receive a legible copy of my credit agreement on request. I enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.
I understand a copy of our credit agreement should be supplied within 12 working days.
I look forward to hearing from you.
I understand that under the Consumer Credit Act 1974 (Sections 77−79), I am entitled to receive a legible copy of my credit agreement on request. I enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.
I understand a copy of our credit agreement should be supplied within 12 working days.
I look forward to hearing from you.
You can send a slightly more in depth version of this letter if you so desire.
Your name
Your address
Your address
Your Postcode
DATE
Creditor Name
Creditor Address
Creditor Address
Creditor Postcode
Dear Sir/Madam
Re:− Account Number xxxxxxxxxxxxxxxxxx
Please treat this letter as a formal request for you to supply a copy of my Consumer Credit Agreement as is my entitlement under sections 77-79 of the Consumer Credit Act 1974.
I require you to provide me with a true copy, or reconstituted copy of the credit agreement relating to any account you deem to be mine, together with any other documentation the Act requires you to provide. I expect you to comply fully and properly with this request, within the statutory time limit.
Your obligation also extends to providing me with a statement of account. I enclose a £1 postal order, which represents payment of the statutory fee payable under the Consumer Credit Act. I understand that a copy of my credit agreement should be supplied within 12 working days from the date of this letter.
If it is your view that you are not the creditor, s.175 of the CCA1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189.
I 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.
Yours faithfully,
YOUR NAME
Your address
Your address
Your Postcode
DATE
Creditor Name
Creditor Address
Creditor Address
Creditor Postcode
Dear Sir/Madam
Re:− Account Number xxxxxxxxxxxxxxxxxx
Please treat this letter as a formal request for you to supply a copy of my Consumer Credit Agreement as is my entitlement under sections 77-79 of the Consumer Credit Act 1974.
I require you to provide me with a true copy, or reconstituted copy of the credit agreement relating to any account you deem to be mine, together with any other documentation the Act requires you to provide. I expect you to comply fully and properly with this request, within the statutory time limit.
Your obligation also extends to providing me with a statement of account. I enclose a £1 postal order, which represents payment of the statutory fee payable under the Consumer Credit Act. I understand that a copy of my credit agreement should be supplied within 12 working days from the date of this letter.
If it is your view that you are not the creditor, s.175 of the CCA1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189.
I 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.
Yours faithfully,
YOUR NAME
The Consumer Credit Act 1974 can be found here
The FCA Guidance on the Consumer Credit Act copy agreements (valid from April 2014) is here.
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