Hello! I sent the following letter to a DCA :- With reference to the above agreement, I would be grateful if you would send me a copy of this credit agreement. I understand that under the Consumer Credit Act 1974 (Sections 77-79), I am entitled to receive a copy of the credit agreement on request. I enclose a payment of £1.00, which represents the fee payable under the Consumer Credit Act. I understand a copy of the credit agreement should be supplied within 12 working days. We look forward to hearing from you. I've had a standard 'debt on hold for 30 days whilst we investigate' response from them. Am I right in believing that if they have not supplied me this information within 12 days, its not legally enforceable? Can someone please kindly reply and advise? Thanks!