Consumer Credit Act template

From Consumer Wiki
Revision as of 15:02, 6 September 2007 by Djdave (talk | contribs) (External links)

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

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.

Is the agreement enforcable?

External links

CAG guidelines for CCA requests