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.
Sending a CCA request effectively puts the account into despute, during which time the creditor may not take any further collection action. This can be useful for buying yourself some time, or in cases where you genuinely do not recognise the debt to which they are referring.
What types of debt are covered by this request?
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.
|
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.