trying to aquire my old loan agreements for use towards a ppi claim!!

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BazzG

New Member
Mar 23, 2012
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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
 
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Witch consumer

Moderator
Sep 8, 2008
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Debtors retreat
You can still get this information using a Subject Access Request under the Data Protection Act, costs slightly more (I think it's £10 but may be a good investment). In reply to this they must give you all the information they hold on you for the past 6 years, this should include your credit agreements if it's within this time.

Not sure if there's a template on here but you will certainly find one on Martin Lewis' site, Consumer Action Group or Legal Beagles.
 
W

Witch consumer

Moderator
Sep 8, 2008
1,593
3
0
Debtors retreat
As an afterthought, you're not supposed to need your credit agreements, have a look at the PPI claim form on the Financial Ombudsman website and see what info you need to give.
 
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