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Account in dispute - non enforcement terms


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The template letters for an account in dispute that I have seen include the following:

 

"The lack of a credit agreement is a very clear dispute and as such the following applies.

 

* You may not demand any payment on the account, nor am I obliged to offer any payment to you.

* You may not add further interest or any charges to the account.

* You may not pass the account to a third party.

* You may not register any information in respect of the account with any credit reference agency.

* You may not issue a default notice related to the account."

Section 78 of the CCA 1974 only says failure to comply with a s78 request means the creditor is not entitled to enforce the agreement while the default continues.

Where do the above restrictions come from? Are they specifically articulated somewhere and if so, where?

Thanks

Cadwallader

 

 

 

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Dont think there is anything set in stone...

 

I think its more the case that to enforce the agreement means to assert one's rights under the agreement, that is all the things that are listed above.

 

S.

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