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*** NOT an offence after 12+2 & 30 days for CCA ***


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It's academic whether is is an offence or not because they were never prosecuted for it. The important thing to emphasise is that they go into default of the request if they do not supply the copy of the agreement on request after the 12+ 2 days. That is the important cut off for posters, not the 30 days.

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DCAs and banks always could go for judgement if they found the credit agreement at any time under the CCA 1974 - a request in itself doesn't have any legal standing and is no proof of anything. The only thing that is changed there is that the 30 day cut off no longer matters as there is no offence. I'm not sure there is a blanket approach. Those giving advice know that legislation changed and each case has to be looked at individually - CCA, statute barred, court action, reclaim charges and so on.

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I like the debt collector's stlye - asking people to tinkle his scales, saying his post should be a sticky then telling us all the help he has given people - he is nothing if not arrogant!! Why does that come as no surprise??:rolleyes:

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