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Is account summary enough for CCA?


damo33
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I am currently being chased by Fredricksen International for an alleged credit card debt.

 

I sent a CCA letter and received a copy of the original agreement and a monthly summary. All the summary shows is the alleged balance for the month and the total of alleged spending during the month.

 

Is this enough to over the requirements of a CCA request or do they need to provide a full statement before I asses the claim?

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Did the copy of alleged original agreement have your signature and any prescribed terms and conditions on it? When was card taken out?

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Direct from CCA1974 act, the bit about the statement

 

78 Duty to give information to debtor under running-account credit agreement

(1) The creditor under a regulated agreement for running-account credit, within the prescribed period after receiving a request in writing to that effect from the debtor and payment of a fee of [£1], shall give the debtor a copy of the executed agreement (if any) and of any other document referred to in it, together with a statement signed by or on behalf

of the creditor showing, according to the information to which it is practicable for him to refer,—

 

(a) the state of the account, and

(b) the amount, if any, currently payable under the agreement by the debtor to the creditor, and

© the amounts and due dates of any payments which, if the debtor does

not draw further on the account, will later become payable under the

agreement by the debtor to the creditor.

S.

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