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Consumer Credit (Exempt Agreements) Order 1989, Article 3 (1)


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Hi everyone! I have recently sent a CCA request to Westcot in connection with an alleged unpaid BT phone bill. Today I have received the CCA back along with the fee of £1. Included was a short note as follows:


"Following your request for a copy of the signed agreement we can confirm that this account falls under the following legislation, Consumer Credit (Exempt Agreements) Order 1989, Article 3 (1) and is therefore enforceable.

Trusting the above clarifies the situation"


I have read the above CCA and am under the impression that this piece of legislation applies to Fixed Term loans for a specified amount payable in no more than four payments, over a period not exceeding 12 months without interest or other added charges.


The former agreement with BT was for ongoing services i.e. the provision of a landline which was billed quarterly on the basis of its use and included fixed hire charges.

I have looked at the list of companies whose agreements fall within a category covered by this legislation and BT do not appear there.

Are Westcot mis-quoting legislation? Should I send them a CCA non compliance letter?

Anyone who can offer advice on this issue will be greatly appreciated. I was feeling quite confident in my handling of DCA,s but this reply has knocked me slightly askew:-o


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