Debt collection / solicitors letters to have debt written off UK?

[aescby]

I have recently received some information from someone about sending off a letter to a company that has my debt passed over to them. This is the letter and tips. What I was wondering is what the follow up action would be to this letter? What I would need to send back? And if they write it off will it be noted as satisfactory on my credit agreement?

I would really appreciate some advice on this. Thank you in advance anyone who posts :)


Your name here
Address here
Date here

REF:
Account/Reference Number

Dear Sir/Madam

This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply.

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

I enclose the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

I look forward to hearing from you.

Yours 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 12 + 2 days to comply or they are in default.After this time you may either get notification 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.