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Section 77/78 cc request as executor

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As executor I made a SAR request and CCA request to cabot for the credit card agreement of the deceased. They have replied that for the SAR request I should contact the original lender and as regards the 77/78 CCA request they have said that there is no requirement under 77/78 to provide this information as the credit card holder has passed away.

My question is are they right to refuse my CCA request as I am the excecutor and secondly should I have to contact the original lender to obtain the agreement. Incidentally on the SAR request I asked for a deed of assignment which has not been provided.

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If they refuse to provide any proof of a debt then you are within your rights as executor to refuse any payment from the Estate.


As for the SAR, it should be made to the original creditor & should include a copy of the CCA.

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