If the creditor does not easily find the CCA agreement, they can send you a confirmation of your request. Something like this is typical: CCA agreements are important! If a creditor cannot find it, the Consumer Credit Act gives you the right to require a copy of your credit contract and bank statements. This reader`s reports are at least ten years old. It is likely that at least some of its current creditors will not be able to produce the CCA agreement: they admit that the CCA they sent me will be restored, but the address on it is not the right address – that is, the address I had when I withdrew the agreement. That is why it is worth asking for the CCA agreement before it makes a good comparison offer. If you clear all the unworkable debts, you have more money left to pay the others. The fee for requesting a copy of your contract and statement under sections 77, 78 and 79 of the Consumer Credit Act is $1. There is no charge if you request a statement of account statement under Section 77b of the Consumer Credit Act. “The letter of claim states that your liability for unpaid funds comes from a credit facility arising from a written agreement you have entered into and that a copy of that written agreement may be requested by the lender. However, you are not allowed to see a copy of a real agreement that you have signed, that is, the agreement with your signature. Thus, under the legislation, a creditor has the right to submit a reconstituted copy, that is, a presentation of the original, if he must provide a copy of an agreement. So if you`re asking for a copy of an agreement, don`t expect to see a document that contains your signature. Also, Link Financial answered my question CCA on September 03rd – said up to 6 weeks for an answer.
To date, it has not been released. On November 5, I received a september 27 statement listing payments made between March and September 2020. It states that “the current sites represent the remaining balance due, since you did not maintain the payments in accordance with the terms of the original agreement, so that the full amount was due.” He asks me to contact them to discuss my account – also says, “This message is given in accordance with the Consumer Credit Act 1974.”
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