Consumer Credit Act template
Contents
Introduction
When reading the CAG forums, you will often see advice suggesting sending a "CCA request". This is a letter to a creditor or debt collection agency asking them for a copy of an executed credit agreement, without which a debt may be unenforceable.
What types of debt are covered by this page?
When to send a CCA request
Suggested template
This template is adapted from "Letter N" on the Consumer Action Group forum. You can amend it as necessary.
The Loan Company
Company House,
Church Street,
Newtown,
Kent,
R1 7HG
Dear Sir/Madam
Re:− Account/Reference Number 1234567890
I/we do not acknowledge any debt to your company or its clients.
With reference to the above agreement, I/we would be grateful if you would send us a copy of this credit agreement.
I/We understand that under the Consumer Credit Act 1974 (Sections 77−79), I/We are entitled to receive a copy of our credit agreement on request. I/We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act. Please note that under no circumstances should this payment be set aside any alleged debt. If you are unable to supply the documentation requested, this fee should be returned.
I/We understand a copy of our credit agreement should be supplied within 12 working days.
I/We 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.
We look forward to hearing from you.
Yours faithfully Mr A N Other
Timescales
The Consumer Credit Act states that a creditor must send the agreement within 12 working days otherwise they are in default. You should count the day of receipt as day zero, and not include weekends or bank holidays in your calculations.
If the default continues for a further month, the Act states that the Creditor commits an offence.