I need a CCA Letter template

[m55dlc]

Hi

I've been trawling the site today to find a Consumer Credit Act template letter asking for a copy of the original agreement?

Does anybody have one or can they point me to a thread which contains one?

Many thanks

[Rooster-UK]

Click on this link for the letter that you're looking for....

With reference to the above agreement, we would be grateful if you would send us a true, signed copy of this credit agreement.

In the first paragraph, I suggest that you add the highlighted words.

Just copy and paste into Word etc. Edit the details to suit your circumstances and there you are.

Hope that this helps.

Regards, Rooster.

[m55dlc]

An update:

I sent a letter to the collection agency asking for a Subject Access Request and a true copy of the original agreement (along with two cheques, one for £10 and the other for £1). These were received by the company on the 28th December 2006.

I replied to the moneyclaim online on the 2nd January 2007, filing an Acknowledgement of Service and denying any debt (as I don't know how many charges have been applied to the original account).

The 12 working days to comply with the request of a copy of the original agreement are up on the 12th January 2007, and so I can then use this as my defence (or a part of my defence), which needs to be filed on Tuesday 16th January. Does anybody have a defence written along the lines of non-compliance with a CCA request as a defence? It must go along the lines of 'failure to comply with the CCA request to furnish a copy of the original agreement the defendent cannot ascertain any debt is liable to them' but this may well be off the track.

Any help greatly appreciated.

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

[RubioConfusedio]

Originally Posted by Rooster-UK

Click on this link for the letter that you're looking for....



In the first paragraph, I suggest that you add the highlighted words.

Just copy and paste into Word etc. Edit the details to suit your circumstances and there you are.

Hope that this helps.

Regards, Rooster.

The link is not valid any more. Can I be advised where the CCA letter would be now (I have checked 'templates' and cannot find a suitable one).

Thanks

P