What is a CCA request?
Section 77(1) and 78(1) of the Consumer Credit Act requires a creditor or debt collection agency to provide a true signed copy of the original executed credit agreement and any related documentation. If the creditor or debt collection agency doesn’t provide this information within 12 working days plus time for service, they are prevented from enforcing or collecting on the account against you while they are in default of your request. The agreement is then rendered unenforcable unless allowed by a court. Section 77(1) is for fixed amount loans and section 78(1) are for line of credits and other revolving loans. You need to submit a £1 statutory fee with your request.
