Cca Agreement Request

If the creditor initiated legal proceedings (you received an application form), you may have hoped that the CCA agreement could not have been reached. But now you have it, it`s not a possible defense, so you have to think if you have another defense. Talk to National Debtline about your options. It depends on why you applied for the CCA agreement. If you receive your response, you should carefully check to see if it is an enforceable agreement before submitting a refund offer. You can find the threads listed in the external links section. Read YOU CONC it says “The copy of the executed agreement should be a “true” copy of the original. However, as confirmed in the case of Carey/HSBC Bank plc [2009] EWHC 3417 (QB), the term “true copy” does not necessarily mean, in this context, a carbon, a photocopy, a microfiche copy or any other specific copy of the signed agreement. There is no obligation to provide a copy containing a copy of the signature.┬áSo this generic form proves it`s my fault? I don`t see how it works, but it seems to match CONC. In reference to the above agreement, I ask you to present the following documents before I respond to them. You can make very specific requests or ask for more general requests.

You can ask, for example. B, a copy of a particular letter or email. You can also request copies of all the letters and emails they have sent you. In fact, you could only ask for a copy of all the information they contain about you. Remember, in some cases, this may mean that you are getting a large amount of information from them. This could make it more difficult to find some of the information you are looking for. Organizations cannot charge a fee for sending personal data under the Data Protection Act, as long as your request is appropriate. For example, your application may not be helpful if you ask them to provide information they have already provided to you recently.

Some debts have been dormant for years, and suddenly the creditor comes back to harass you. In this case, there must be good reasons to require a copy of your agreement. If there is a bankruptcy on the table, asking for a copy of your contract is a waste of time. In summary, the CCA requirement is an uncertain process that can take months. If you have a lot of debt, be sure to look at the big picture, as well as think about individual debt. But in practice, many CCA agreements will be established in the coming weeks. So unless you can`t afford monthly payments, I usually suggest not to stop it immediately. Give it a few months. I propose to wait two or three months before deciding that they cannot reach the agreement and that they decide not to pay it again.

You have the right to request access to all of your personal data held by creditors under the Consumer Credit Act 1974 and the Data Protection Act 2018. Under the CCA, you will receive a copy of your credit agreement as well as all bank statements. You can also submit a SAR application to see what information your credit contains about you. Remove everything you rented or purchased on credit, or take everything you used as collateral (such as your home) when you entered into the contract. The PRA Group has informed me that my debt is unenforceable, but that it is still payable because they cannot find the credit contract. They`re going to contact me on October 9th to see what I`m going to do. Do I agree that I will not pay more until they find (if so) the agreement? With respect to the above agreement, we would appreciate it if you could send us a copy of that credit agreement.