No CCA supplied - When/how to inform company re ceasing payments

[EJ4]

Good morning. I have been waiting over 3 months for a CCA from Lowell (requested mid December) Lowell responded wrongly informing me they had recorded a CCJ against me in 2020 so the debts were enforceable and no need to supply the information.
Upon checking with 3 CRA's no CCJ exists. They then confirmed their mistake. I requested the CCA again but I'm still waiting. How and when should I inform them I will stop payments - is there a letter template? I have a plan with Step Change so need to let them know.. Thank you very much for your time.

[atticus]

Why not just stop paying? I guess that sooner or later they will work it out.

Are you aware that the 6 year limitation period to bring court action will run from the date of the last payment?

If you must write, the following should do the trick. You can of course add a repeated request for a copy of the agreement.



"Dear XXXX

Re account no: ZZZZZZZZ

I am ceasing payments with immediate effect.

Yours faithfully

EJ4"

[EJ4]

Thank you - I was not aware that the 6 year limitation for court action was 6 years from last payment. Presumably they cannot pursue any court action without the CCA or a complete CCA? My main concern is repairing my credit file so I'm afraid of further adverse action being taken.
I appreciate your time.