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CCA Section 78 Request timed out

Sare Heid

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Credit card company have not responded to S.78 request for agreement, etc within the 12 + 2 days.

I've prepared letter of dispute using excellent template from Debt Library, one query though!


Para in letter refers to removal of all my personal info from their records iaw DPA, will I be shooting myself in foot if SAR submitted at later date (as they should have deleted all my info) or is it best just to omit this section for time being?


Which way to go?


Thoughts please. :???:

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You can remove that bit if you wish but in reality, the creditor will ignore it anyway.


Since a case last year, it has become much harder to get them to stop marking your credit file.

You should remember that the debt still exists. Having no agreement (pre 2007) just means they cannot enforce it

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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