Hi,

Can someone verify whether this is true, I have written a letter requesting for a copy of the credit agreement using template N from:

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

Here is their response:

"You have requested a copy of the original Agreement citing the Consumer Credit Act 1974.

We are not the original creditor. We did not provide you with the original credit facility. We purchased your outstanding debt balance and the right to collect that balance, together with the right to apply interest in accordance with your original Credit Agreement. We did not purchase your actual Agreement, consequently we have no obligation to provide you with a copy of that agreement.

However, as a matter of good, practice, we will seek to obtain a copy of the original Agreement from the original credit grantor and if that is available we will forward a copy to you.

We are the legal owners of your account and your liability is now to us in respect of repaying the outstanding debt balance that was purhased by this Group of Companies."

Thanks in advance!!

Cho

I would be really interested if anyone has an answer for this one as i have just sent of the same template letter to some DCA's!!!

HI, All bluff and bluster.

They have a duty to provide the agreement. They are just trying to stall for time.

I'm assuming it was for a credit card or loan.

Give them the 12+2 days then hit them with theA/C indispute letter.

fox

remember people without a song and dance

as they are saying you owe xyz

they have to provide the cca

end off

no agreement

no debt

they may quote the rankine judgement/ law of property act etc

its all hog wash

If they start the demands again without the agreement, just send them a bill the same as they have you. You can always tell them that if they don't have to prove you owe them anything, then you don't have to prove they owe you and that you will continue to harrass them as long as they harrass you.