default no agreement

[Noogie]

can companies put default notices on your credit frile if they either will not or cannot supply an agreement

[Curlyben]

Re: default no agreement

Yes, and they do regularly.

[labman]

Re: default no agreement

If you've sent a CCA request and they have not complied, I'd suggest you send this to them, it covers your back for the future should anything surface. It's more a keep out of court measure than anything else, but well worth a stamp:

Dear Sir/Madam,

Your Ref: xxxxxxx

This is a formal request under the Consumer Protection From Unfair Trading Regulations (CPUTR) 2008.

I require your organisation to provide written confirmation that states clearly whether you currently hold an original signed Consumer Credit Agreement, or whether you do not hold an original signed Consumer Credit Agreement pertaining to myself.

For the avoidance of doubt, an original signed Consumer Credit Agreement is just that; not an application for credit and not a reconstructed or microfiched document from other sources.

Please note that until such times as a legally enforceable, original Consumer Credit Agreement can be produced and a copy sent to me by return, then this letter is not an acknowledgement of debt.

Please also note that failure to provide a direct answer to this request will be brought before the court, should you decide to defy the content of this letter and instruct solicitors to pursue enforcement action regardless.

Yours faithfully,