CCA Request to Creditor Letter Template & Generator

If you need to request a copy of your Consumer Credit Agreement, a written letter is the recommended first step — it creates a clear record and shows you're pursuing the matter formally. Below is what a strong cca request to creditor should include, plus a free tool to generate yours.

What this letter needs to cover

• Identify the alleged debt with reference number
• Request under sections 77
• 78 or 79 of the Consumer Credit Act 1974 (as relevant) a true copy of the executed agreement and a statement of account
• Enclose or offer the statutory 1 pound fee
• State that collection activity should be suspended until the agreement is produced
• Give 12 working days for response

Why requesting your credit agreement matters

Under Section 78 of the Consumer Credit Act 1974, you have the right to request a copy of your original credit agreement from a creditor. This matters because if a creditor can't produce a properly executed agreement, it can affect their ability to enforce the debt — while the debt technically remains, it becomes legally unenforceable through the courts until a compliant copy is provided.

What to include before you send it

• The account or reference number for the debt in question
• A clear request for a copy of the original executed credit agreement under Section 78
• Confirmation of the statutory fee, if one applies (this is capped at £1)
• A note that the debt cannot be enforced through court while this request remains unfulfilled

What happens if the creditor can't produce it

If a creditor fails to comply within the statutory timeframe (generally 12 working days), the debt becomes unenforceable through the courts, though the creditor can still ask for payment and it still exists as a debt — it simply can't be pursued through legal action while the request remains outstanding.

Frequently Asked Questions

Does this apply to all types of debt?
This right generally applies to regulated credit agreements like credit cards, personal loans, and store cards — it doesn't typically apply to mortgages or certain other types of lending.

Will this stop debt collectors contacting me?
Not automatically, but if a valid request is outstanding and unenforceable, this is a legitimate basis to ask them to pause contact until the agreement is produced.

See our full letter template & generator library for related letters, or use our free checkers for guidance specific to your situation.