They are not refusing to supply the CCA, they are saying they do not have to reply within the 12+2 time limit.

Thanks for the reply. Any advise on my next move? Not sure what to do.

credit card.

Hi, I received a notice of pending legal action from cohen solicitors saying they have been instructed to issue a claim against me in the county court for a santander £1412 debt so i sent them a cca request. This is their reply - We must advise you that requests for copy credit agreements under s.78 The consumer credit act 1974 only apply to running-credit accounts as defined by CCA. Your account is no longer a running-credit account because your credit facility has been withdrawn because it is in default and s.78 CCA therefore does not apply and there is no time limit to respond. However we will out of courtesy request a copy of your agreement from our client for your records. Are they correct in saying s.78 does not apply and there is no time limit? They also say that there has not been an assignment of this account. What does this mean? Any advice appreciated.