All Letters For Debt/CCA/Credit Agency/DCA's by
Ben »
Wed Apr 28, 2010 7:47 pm
letter when solicitors are threatening you with legal action whilst a company are in default of your request for your Consumer Credit Agreement or Legally Binding Contract. Name here Address here Date here Ref No: Dear Sirs refer to your letter of !!!!! "##$% the content of which is noted. No de&t to your client is ac'nowledged. (n )date* made a formal request to your client pursuant to s.+,)-* of the Consumer Credit Act -$+. /hey ha0e failed to comply within the statutory time limit% or at all. t should not &e necessary to ha0e to remind solicitors that the pro0isions of s.+,)1* now apply. n the circumstances% your2your clients threat of legal action would appear to &e a &reach of the Consumer 3rotection from 4nfair /rading Regulations "##, and the (5ce of 6air /rading 7uidance on de&t collection. Should you or your client &ring proceedings% they will &e ro&ustly defended% and the Court8s attention drawn to the a&o0e statutory &reaches . 6urthermore% reser0e the right to &ring the conduct of your client to the Court when the issue of costs is &eing considered. 9ours 9 ours faithfully faithfully .................................................................................................................................. ............................... 9our name 9our name here Address here Date here R6: Account2Reference Num&er Dear Sir2;adam /his letter is is a formal request request pursuant pursuant to s.++2+, s.++2+, of the Consumer Consumer Credit Credit Act -$+. require you to pro0ide me with a true copy of the credit agreement relating to the a&o0e account% together with any other documentation the Act requires you to pro0ide.
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ned &y s.-,$. f you contend that you purchased the rights &ut not the duties of any agreement% you are reminded that s.-,$ of the Act is clear that an assignment is of &oth rights and duties. 9our attention is drawn to ss.=)"*% ?)&*%1 and + of the Consumer 3rotection from 4nfair /rading Regulations "##, )C34/R*. enclose the sum of @-.##% which is the statutory fee. Note that these funds are not to &e used for any other purpose. f you are una&le to comply fully and properly with this request% you should con>rm this in writing at the earliest opportunity% and certainly within the statutory time limit for compliance% and return the fee. loo' forward to hearing from you. 9ours faithfully Print name then sign adding two straight lines completely through the signature This is so the signature cannot be “lifted” Never send a cheque as they can get your signature, always use Postal Orders and send recorded delivery, they have 1 ! days to comply or they are in default"#fter this time you may either get noti$cation informing you they do not hold a valid agreement or they may try and send you a copy of your original application form, don%t be fooled&&& this is not enforceable" Once this has happened you need to send a letter of account in dispute because they have dishonoured"
.................................................................................................................................. ............. http:22www.>sa.co.u'2downloads2CCA"#- ... censing"" /his is a lin' to a 3D6 of the CCA -$+. 6urther amendments which go in fa0our of a de&tor are found here in the "##1 updates: http:22www.opsi.go0.u'2acts2acts"##12u' ... 1##-en-
refer to the rele0ant sections as set out in the template named as'ing for your CCA the statute way. .................................................................................................................................. ........... eres who to contact and how% if you wish a copy of your credit >le: E your full name Falso any other names you ha0e &een 'nown &y e.g. your maiden nameG E your full address including postcodeG E any addresses where you ha0e li0ed o0er the past si< yearsG E your date of &irthG and E a cheque or postal order for @" made paya&le to the credit reference agency. 9ou should 'eep a copy of your letter and you may want to send it &y recorded deli0ery. /he credit reference agency has + wor'ing days to send you your >le after recei0ing your letter and fee. /he addresses of the credit reference agencies are: quifa< 3lc Credit 6ile Ad0ice Centre 3( Bo< --# Bradford BD- =4S http:22www.equifa<.co.u' Call Credit 3lc Consumer Ser0ices /eam 3( Bo< $Leeds LS? -HI #,+# #1# -- http:22www.callcredit.co.u'
Date here Ref No here: /o whom it may concern% ac'nowledge your recent communication to me sent on ) * which i recei0ed on ) * and ha0e noted its contents. feel that it is 0e
pursue third parties for payment when they are not lia&le. AND in not ceasing collection acti0ity whilst in0estigating a reasona&ly queried or disputed de&t you are using decepti0e2and or unfair methods. 6urthermore% ignoring and2or disregarding claims that de&ts ha0e &een settled or are disputed and continuing to ma'e unKusti>ed demands for payment% amounts to physical2psychological harassment. 2we would as' that no further contact &e made concerning the a&o0e account unless you can pro0ide e0idence as to my2our lia&ility for the de&t in question% this is to &e done &y a copy of a contract &inding &oth parties or a su5ciently legal Consumer Credit Agreement that &ears all credi&le signatures and terms. 2we await your written con>rmation that this matter is now closed. (therwise will ha0e no option &ut to ma'e a complaint to /rading Standards and also inform the (5ce (f 6air /rading of your actions. 2we loo' forward to your reply. 9ours faithfully .................................................................................................................................. ................. 9our name% Address Date here. Address of Company. Dear Sir2;adam Re: <<<<<<<<<<<<< write with reference to the money which you are claiming on the a&o0e account. can con>rm that we are una&le to oer to pay the money which we allegedly owe in full. owe0er% can raise @<<< and want to oer this as an enal settlement of the account. /his oer is made on the clear understanding that% if accepted% neither you nor any associate company will ta'e any other action to enforce or pursue this de&t in any way whatsoe0er and that will &e released for any lia&ility. also request that% if accepted% you will ma'e an entry on a credit reference agency >le relating to the a&o0e account as satis>ed in full. 3ayment can &e made within wee's) or whate0er you deem suita&le* of recei0ing your written agreement of this oer and method of payment.
loo' forward to recei0ing your reply. 9ours faithfully .................................................................................................................................. ............................... Name Address Date Ref No: Dear sir2madam /han' you for your response to my request under the Consumer Credit Act section +,. am pleased to see that you con>rm this as a true copy of the original agreement e
/his can &e sent when a company tries to send you a copy of its current terms and conditions or an agreement that does not ha0e any signatures% or e0en a copy of the original application form as none of thses constitutes a 0alid agreement. .................................................................................................................................. ................................................ Name here Address here Address of creditor or DCA here Dear Sir2;adam Re Account No2Reference No:M Since ma'ing that a&o0e agreement with you% our circumstances ha0e changed. He cannot now aord to agreed monthly payments &ecause ... Oyour paragraph added hereP He enclose a 3ersonal Budget sheet which shows our total income from all sources% and our outgoings. As you can see we ha0e only @<<< per month left for our creditors. /he oers we ha0e made to our creditors ha0e wor'ed out on a proMrata &asis% and we ha0e written to all our creditors as'ing them to accept reduced payments. n 0iew of our circumstances% please would you agree to accept a reduced oer of @<< per month. f interest or other charges are &eing added to the account we would &e grateful if you would freeQe these so that all payments made will reduce what owe you. Should our circumstances impro0e we will contact you again. He would &e grateful if you would send a payingMin &oo' to ma'e it easier to pay you. /han' you for your assistance. He loo' forward to hearing from you as soon as possi&le. 9ours faithfully
