If your creditor threatens to take you to court or with a CCJ, you should always ask for a copy of the CCA agreement. Once a CCJ has been issued, it will be too late to ask, and the creditor has every right not to send it to you at all. If the creditor sends you a copy of your contract and statement of account statement at any time after the request, the creditor may initiate or sue you in order to recover the debt. If you are tired of paying an old debt for a long time, for it to last many more years, you need to look at your alternatives. If you simply stop paying, you can be brought to justice – especially since the creditor now has the CCA agreement at hand! If you have more luck with other debts that prove unenforceable, can you pay more now? Or is it time to deal with bankruptcies or other options? You need help responding to the application form. It is too late to ask only the CCA, you must submit a defence in the short period of time that is allowed and also apply for the CCA agreement. In reference to the above agreement, I ask you to present the following documents before I respond to them. Sometimes it is a great idea to ask for an agreement from CCA. But not always. Normally, this shouldn`t be your first thought if you`re struggling to pay off a debt.

And it probably won`t work if your debt is still with the original creditor, even if it`s in a collection company – CCA`s application only works normally if your debts have been sold to a debt buyer. There`s no point in asking again. You can ignore or reply that what they sent is the CCA agreement you requested, and yoh won`t pay them again until they produce the CCA. Thank you so much for that I passed the article so many times and I checked the document sent and it`s clearly a copy of my credit application and nothing else. Is there a time frame in which I can simply ignore them if they do not produce the agreement? The application was filed in June 2019, which goes well beyond the 12 working days or even a few months after the response. What I am trying to say is to rewrite and ask for the same agreement and stick to that. I haven`t paid anything for the debts for about 4 years, so I can`t say I won`t pay if I don`t make a payment. I hope I make sense. 3. An authentic signed copy of the deed of surrender of the above-mentioned agreement you make.