Thanks to all for your support and advice. I am going to send all info to the Financial Ombudsman and the Information Commissioner. Thanks once again

Thanks Curlyben. Yes, that helps me. Also thanks to N.P. Aktiv Kapital have told me that they only purchased the debt and not the agreement. I wondered if they are right but is seems that what s189 says is that they should still provide it. Thanks

Hi again Curlyben I have just looked at that and I know I am thick but I cannot see what is referred to many times on CAG where the debt collection agency has to supply the CCA agreement even if the are not the original creditor. Have you any thoughts on this. Thanks

Thanks for that Curlyben. I will have a look now.

Hi everyone Does anyone know where I can find the actual wording in the s189 consumer credit act 1974 where it says that the agreement must be supplied whether or not the debt is with the original creditor or not. Thanks to all.

Thanks Belaflat and Mike220359. Does any one know what can be done about this. She will have to keep up her payments but what happens from here? Thanks once again to the people above.

Hi all My daughter asked Blair, Oliver Scott for a copy of her consumer credit agreement for the credit card she had with Halifax in 2005. Please can you advise me if what they sent her is the correct document. It has got Credit Card Application on the top but then underneath is says Credit Agreement Regulated By The Consumer Credit Act 1974. She owes the money and is not trying to get out of her obligations but if this is not the correct document I wondered what she can do about it. Thanks in advance for you help.

Thanks for the help Newborn.

Hi I think it was back in April this year.

Thanks newborn. Do you have any info about what a deed of assignment should contain> Thanks

Just wondered if anyone can help me out as someone who is new here? I have sent a CCA request to Aktiv Kapital months ago and they said they cannot obtain it. I sent them a letter asking for the deed of assignment and they sent a cop of the deed. I do not undersstand what this deed should contain if they have bought this alleged debt. There is nothing on the 'deed' to say that it has anything to do with me. They have blacked out a date except for the year. Also they say that as they are not the original creditor and did not purchase the agreement so have no obligation to provide a copy of the CCA. Please can anyone give me some advice. Thank you