National Debtline | Sample letters - Information about your agreement under the Consumer Credit Act

Use this letter if you want a copy of your credit agreement and/or a statement of the account and the creditor has so far refused to send you a copy free of charge. Remember to enclose the fee of £1 when you send the letter to your creditors. You can find information about using this letter in our guide Credit agreements – getting information.

You can choose to send a letter in your own name or in joint names. You may have a debt in joint names, or want to write to your creditors together because you have worked out a joint budget.

Fill in your contact details, account number and any extra information you want to include in the grey shaded areas.
Today’s date will be added automatically.
Sign each letter and enclose a copy of your budget if needed.

Letter in joint names

You can choose to send a letter in your own name or in joint names. You may have a debt in joint names, or want to write to your creditors together because you have worked out a joint budget.

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29th June 2024 [today’s date]*

Dear Sir/Madam

Account No:

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Please send me a copy of the above credit agreement and a full breakdown of the account including any interest or charges added.

I understand that under the Consumer Credit Act 1974 (sections 77-79), I am entitled to receive a copy of any credit agreement and a statement of account when I request it. I enclose a payment of £1 which is the fee payable under the Consumer Credit Act 1974.

I understand a copy of any credit agreement along with a statement of account should be supplied within 12 working days.

I understand that, under the Consumer Credit Act 1974, creditors are unable to enforce an agreement if they fail to comply with the request for a copy of the agreement and statement of account.

I look forward to hearing from you.

Yours faithfully

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Information about your agreement under the Consumer Credit Act (sole name)

Letter in joint names