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Credit agreement requests


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For debts that are with a debt collector I send a dca request to the debt collector?

 

And for credit agreements that are still with the original company I send a cca request to that company?

 

How do I go about all this please :)

 

Any advice appreciated.

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For debts that are with a debt collector I send a dca request to the debt collector?

 

And for credit agreements that are still with the original company I send a cca request to that company?

 

How do I go about all this please :)

 

Any advice appreciated.

 

A request for a copy of the original agreement from the original company goes to the original company, the same request can go to any debt collection agency or solicitor for that matter if they contact you on behalf of the original company or indeed if they have bought the debt and are now the new owner.

 

Under s.189 of the CC Act 1974 whomever you send the agreement request to after they have approached you for payment is obliged to comply with the request regardless of wether or not they are the original creditor.

 

The Consumer Credit Act 1974:

http://www.crw.gov.uk/resources/consumercreditact1974.pdf

 

Regards, Dave.

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