I requested a CCA agreement on May 13, 2020 and received a response on October 8. Since the debt is an overdraft, it has not provided any, which I am convinced they do not have to do. But do I have a leg to hold that took 5 months for them to come back to me? These debts date back to 2008, but they say I have a payment of 20 dollars in the last 8 years, which is why it is not locked statue. If you are tired of paying an old debt for a long time, for it to last many more years, you need to look at your alternatives. If you simply stop paying, you can be brought to justice – especially since the creditor now has the CCA agreement at hand! If you have more luck with other debts that prove unenforceable, can you pay more now? Or is it time to deal with bankruptcies or other options? This is not the same as models that request a copy of your personal data or apply for access to the applicant. If you want to know if the debt is enforceable, use the specific text of the ccA contract. Read more of this article first! You need to know what you are going to do if the lender sends you the deal and what if the lender does not. The first thing you need to check is that you have a real copy of the agreement. It must be readable and have all the right information about it. Your name and address, the date of the loan and the information provided by your creditor must be visible on the copy. All terms and conditions should also be mentioned.
Please note that your signature should not be on this copy. But in practice, many CCA agreements will be established in the coming weeks. So unless you can`t afford monthly payments, I usually suggest not to stop it immediately. Give it a few months. The FCA Guidance on the Consumer Credit Act Copy Agreements (valid from April 2014) is available here. There`s no point in asking again. You can ignore or reply that what they sent is the CCA agreement you requested, and yoh won`t pay them again until they produce the CCA. You can use this letter, also known as a CCA request, to ask a lender for information about your accounts. Read the How can you tell if it`s good? Section in the article above. If you feel that they have submitted your application to you and not a copy of the CCA agreement, respond. The letter must be addressed to the original creditor or collection company if the debt has been transferred to them.
We understand that a copy of our credit agreement should be submitted within 12 business days. Read YOU CONC it says “The copy of the executed agreement should be a “true” copy of the original. However, as confirmed in the case of Carey/HSBC Bank plc  EWHC 3417 (QB), the term “true copy” does not necessarily mean, in this context, a carbon, a photocopy, a microfiche copy or any other specific copy of the signed agreement. There is no obligation to provide a copy containing a copy of the signature. So this generic form proves it`s my fault? I don`t see how it does, but it seems to match CONC. Anyway, move fast and a few years ago they wanted to increase interest from about 10-15 dollars a month to 60-70 dollars per month.