"Reply to Boab"

A review of Allied International Credit by Anon written on Friday 8th of January 2010

Re your comments:

"Sorry but you are tottaly and utterly wrong, AIC or any DCA for that metter do not have to supply a CCA".

"get a life, get your facts straight and pay up".

Actually Boab it is you who is totally and utterly wrong and need to get your facts straight. I suggest you familiarise yourself with the relevant legislation.....

www.statutelaw.gov.uk/content.aspx?LegType=All+Legislation&title=Consumer+Credit+Act+1974&searchEnacted=0&extentMatchOnly=0&confersPower=0&blanketAmendment=0&sortAlpha=0&TYPE=QS&PageNumber=1&NavFrom=0&parentActiveTextDocId=436428&ActiveTextDocId=436524&filesize=6039

Consumer Credit Act 1974:

77. Duty to give information to debtor under fixed-sum credit agreement.—

(1) The creditor under a regulated agreement for fixed-sum credit, within the prescribed period after receiving a request in writing to that effect from the debtor and payment of a fee of £1, shall give the debtor a copy of the executed agreement (if any) and of any other document referred to in it, together with a statement signed by or on behalf of the creditor showing, according to the information to which it is practicable for him to refer,—

(a) the total sum paid under the agreement by the debtor;

(b) the total sum which has become payable under the agreement by the debtor but remains unpaid, and the various amounts comprised in that total sum, with the date when each became due; and

(c) the total sum which is to become payable under the agreement by the debtor, and the various amounts comprised in that total sum, with the date, or mode of determining the date, when each becomes due.

....

(4) If the creditor under an agreement fails to comply with subsection (1)—

(a) he is not entitled, while the default continues, to enforce the agreement;

....

This law clearly states that the creditor must, on request, supply the debtor with a copy of his agreement - and if the creditor fails to comply with this, the debt is unenforceable.

If you're so sure that a debt exists, why would this request be a problem?

.

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