Name here Address here Date here Ref No: Dear Sirs I refer to your letter of XXXXX 2009,

the content of which is noted. No debt to your client is acknowledged. On (date) I made a formal request to your client pursuant to s.78(1) of the Cons umer Credit Act 1974. They have failed to comply within the statutory time limit , or at all. It should not be necessary to have to remind solicitors that the pr ovisions of s.78(6) now apply. In the circumstances, your/your clients threat of legal action would appear to b e a breach of the Consumer Protection from Unfair Trading Regulations 2008 and t he Office of Fair Trading Guidance on debt collection. Should you or your client bring proceedings, they will be robustly defended, and the Court's attention dr awn to the above statutory breaches . Furthermore, I reserve the right to bring the conduct of your client to the Court when the issue of costs is being conside red. Yours faithfully ................................................................................ ................................................................................ . Your name here Address here Date here REF: Account/Reference Number Dear Sir/Madam This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1 974. I require you to provide me with a true copy of the credit agreement relati ng to the above account, together with any other documentation the Act requires you to provide. I expect you to comply fully and properly with this request, within the statutor y time limit. You are reminded that should you fail to comply with my request, t he provisions of s.77 will apply. If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this requ est to the creditor. In the case of an absolute assignment, you are a creditor a s defined by s.189. If you contend that you purchased the rights but not the dut ies of any agreement, you are reminded that s.189 of the Act is clear that an as signment is of both rights and duties. Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR). I enclose the sum of 1.00, which is the statutory fee. Note that these funds are n ot to be used for any other purpose. If you are unable to comply fully and properly with this request, you should con

firm this in writing at the earliest opportunity, and certainly within the statu tory time limit for compliance, and return the fee. I look forward to hearing from you. Yours faithfully