Sample letter

Information about your agreement under the Consumer Credit Act SCOTLAND (joint names)

​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 creditors. You can find information about how to use this letter in our fact sheet Credit agreements - getting information.

Letter in sole names

You can choose to send a letter in your own name or in joint names. You may have a debt in joint names, or want to write to your creditors together because you have worked out a joint budget.
  • Fill in your contact details, account number and any extra information you want to include in the grey shaded areas.

  • Today’s date will be added automatically.

  • Download your letter to your computer for saving and printing by clicking on ‘Download pdf’ or ‘Download doc’ on the left.

  • Sign each letter and enclose a copy of your budget if needed.

23 September 2020

Dear Sir/Madam

Account No:

Please send us a copy of the above credit agreement and a full breakdown of the account including any interest or charges added.

We understand that under the Consumer Credit Act 1974 (sections 77-79), we are entitled to receive a copy of any credit agreement and a statement of account when we request it. We enclose a payment of £1 which is the fee payable under the Consumer Credit Act 1974.

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

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.

We look forward to hearing from you.

Yours faithfully