CCA letter template.

[lostinspace1000]

Somewhere on this forum i came across a template letter for a CCA request but i cant seem to find it now. Could someone please forward me to the correct site where i could download a copy. Sorry if i appear somewhat slow! Thanks.

[wiltshirecouple]

Hi Lost In Space,

 

1 High Street,

Newtown,

Kent

R21 4RH

June 28, 2006

 

The Loan Company

Company House,

Church Street,

Newtown,

Kent,

R1 7HG

 

Dear Sir/Madam

 

Re:- Account/Reference Number 4563210025897412

 

This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply.

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

Your attention is drawn to ss.5(2), 3(b), 6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

We look forward to hearing from you.

 

Yours faithfully

Mr A N Other

Don't Forget to send your £1 postal order, send by recorded delivery and print your name, never sign.

Regards

WC

[beetzart]

Dear Sir/Madam

Re:−

 

This letter is a formal request pursuant to s.77(1) of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77(6) will apply.

Only use the next paragraph if you are sending to a DCA and not the original creditor.

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

We look forward to hearing from you.

 

Yours faithfully

Print name here never sign

 

 

This is the most recent CCA letter that I have used. I can't find the site either but I hope this helps.

 

[lostinspace1000]

Cheers guys, il be printing it off. down the PO(asda one open on sunday) and it will be winging its way to the welcome monkeys.

I look forward to their response.

[Uptotheneck]

Dont forget recorded delivery!!

 

 

Regards

 

 

David

[lostinspace1000]

always and no signature!

[diamondgirl]

Always remember to add at the end of all letters "all communication in writing only."

 

http://http://www.consumerforums.com/resources/templates-library/86-debt-collectors.html

 

DG

[lostinspace1000]

i have written to them many times asking that all communications be done in writing but it seems their ability to read is somewhat limited. even requseted that all phones calls to my work cease. that never happened..think my next letter will inform them of harassment and guidelines of the OFT.

[diamondgirl]

That I would certainly recommend you do. To many creditors/DCAs are ring peoples work and I know of one who actually told my friends boss that he owed them xxxx£ and wanted the money. Very naughty, we got the letter of straight away, they've never done it since.

DG

[BornAgainBiker]

Dear Sir/Madam

Re:−

 

This letter is a formal request pursuant to s.77(1) of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77(6) will apply.

Only use the next paragraph if you are sending to a DCA and not the original creditor.

 

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

We look forward to hearing from you.

 

Yours faithfully

Print name here never sign

 

 

 

This is the most recent CCA letter that I have used. I can't find the site either but I hope this helps.

 

 

 

be careful, I believe the section S.77 (1) relates to fixed loans. If you are doing a cca for a credit card or overdraft you need to refer to S.78 (1). The second para. above should relate to S.78(6) not S.77 (6).

 

perhaps someone else can confirm.

[BornAgainBiker]

i just had a cca returned with the note they the creditor held no info under s.77 (1) when i looked at cca 1974 i saw why. look it up on wikki.

[diamondgirl]

s77 relates to loans s78 relates to credit cards

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors.html

 

DG

[lostinspace1000]

got the CCA. AND THE MONKEYS CHARGED ME 25POUND TO HAND DELIVER IT THROUGH MY DOOR! STILL PHONING EVEN THOUGH I HAVE MADE MANY REQUESTS FOR THIS TO STOP...THINK THESE USE MY LETTERS TO WIPE THEIR ARSES!