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). A creditor must provide a copy of the agreement on request within 12 working days, or he becomes unable to enforce the agreement while his default continues.
You need to enclose a postal order or cheque ( if anyone has those anymore !) for £1 made payable to the Creditor/Claimant.
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 may not be covered by s.77-79 of the Consumer Credit Act.
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 to the Claimant, but also send a copy to the solicitors address for their information.
for joint accounts …
or for a single account…
You can send a slightly more in depth version of this letter if you so desire.
If you have received a County Court Claim from a creditor or debt purchaser, don’t panic ! LegalBeagles have many years of experience assisting consumers in dealing with these claims, so you are in the right place to work out what steps you should take before making a decision whether to defend the claim or negotiate a settlement.
We now feature a number of specialist consumer credit debt solicitors on our sister site, JustBeagle.com – If your case is over £10,000 or particularly complex it may be worth a chat with a solicitor, often they will be able to help on a fixed fee or CFA (no win, no fee) basis.