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Hi all, I need some advice. I have sent letters plus £1 postal orders to ask my creditors for a copy of your credit agreement under the Consumer Credit Act 1974. 2 letters to Capquest who have taking CCJs against me and 1 to BW Legal who have threatened to force me into bankruptcy/CO. The Recorded letters were signed for on the 22/10/2013 by Capquest and BW. I had a reply from BW Legal on the 31/10/13 and from Capquest on the 24/10/ 13. Both saying they're referring my request to the original creditors? So this means that they don't have the signed contracts? From Monday the (11th Nov 13) it will be 21 days and I have not had these credit agreements. What is my next step? Thanks Jez
