Hi, i'm new to this site and was wondering if anyone could help with information regarding the consumer credit act 1974 s77-79? i've recently been sending out the template letters i took from moneysaving expert.co.uk for requesting a copy of my original loan/hire purchase agreements from various lenders so that i could see whether i had paid payment protection fees. anyway, Santander have replied back to me with this statement
"After checking our records, I can confirm that all monies required undewr the terms and conditions of the aggreement have been paid and the account is now closed. Therefore, s77-79 of the Consumer Credit Act 1974 no longer applies. Please find enclosed your cheque for £1.00"
Can they simply say this and not provide me with a copy of my original agreement? any information regarding this will be greatly appreciated.
bazz
"After checking our records, I can confirm that all monies required undewr the terms and conditions of the aggreement have been paid and the account is now closed. Therefore, s77-79 of the Consumer Credit Act 1974 no longer applies. Please find enclosed your cheque for £1.00"
Can they simply say this and not provide me with a copy of my original agreement? any information regarding this will be greatly appreciated.
bazz