Credit agreements - getting information

 August 2014

Fact sheet no. 29

Information about your agreement under the Consumer Credit Act sample letter

Use this letter if you want a copy of your credit agreement and/or a statement of the account and the creditor has so far refused to send you a copy free of charge. Remember to enclose the fee of £1 when you send the letter to your creditor.

(Your home address)
Date: ____________

Dear Sir/Madam

Account No: _________________________

With reference to the above agreement, I/we would be grateful if you would send me/us a copy of this credit agreement and a full breakdown of the account including any interest or charges applied.  I/we understand that under the Consumer Credit Act 1974 (sections 77-79), I am/we are entitled to receive a copy of any credit agreement and a statement of account on request.  I/we enclose a payment of £1 which represents the fee payable under the Consumer Credit Act 1974.

I/we understand a copy of any credit agreement along with a statement of account should be supplied within 12 working days.

I/we understand that, under the Consumer Credit Act 1974, creditors are unable to enforce an agreement if they fail to comply with the request for a copy of the agreement and statement of account under these sections of the Act.

Remember:

keep a copy

Keep a copy of all the letters you send to your creditors.

I/we look forward to hearing from you.

Yours faithfully

 

(Your signature)