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Thought I would bring the Consumer Protection from Unfair Trading Regulations (CPUTR) 2008 onto these forums..... following its success elsewhere. Companies don't seem to like being asked for clarification under CPUTR in response to reconstructed, microfiche and/or application forms... 
.... and to date, no company has written back to confirm the precise documentation held (in my own case); the account has either been passed to someone else or there have been some very poor attempts to skirt around the issue.... confirming that CPUTR is a powerful tool to pull out of the box. Even my good friend Bryan Carter seemed beaten into submission after such a request....
... and finally disappeared without issuing those nasty court papers that I was threatened with...
My template is below:
.... and to date, no company has written back to confirm the precise documentation held (in my own case); the account has either been passed to someone else or there have been some very poor attempts to skirt around the issue.... confirming that CPUTR is a powerful tool to pull out of the box. Even my good friend Bryan Carter seemed beaten into submission after such a request....
... and finally disappeared without issuing those nasty court papers that I was threatened with...
My template is below:
Dear Sir/Madam,
Your Ref: xxxxxxx
This is a formal request under the Consumer Protection From Unfair Trading Regulations (CPUTR) 2008.
I require your organisation to provide written confirmation that states clearly whether you currently hold an original signed Consumer Credit Agreement, or whether you do not hold an original signed Consumer Credit Agreement pertaining to myself.
For the avoidance of doubt, an original signed Consumer Credit Agreement is just that; not an application for credit and not a reconstructed or microfiched document from other sources.
Please note that until such times as a legally enforceable, original Consumer Credit Agreement can be produced and a copy sent to me by return, then this letter is not an acknowledgement of debt.
Please also note that failure to provide a direct answer to this request will be brought before the court, should you decide to defy the content of this letter and instruct solicitors to pursue enforcement action regardless.
Yours faithfully,
Your Ref: xxxxxxx
This is a formal request under the Consumer Protection From Unfair Trading Regulations (CPUTR) 2008.
I require your organisation to provide written confirmation that states clearly whether you currently hold an original signed Consumer Credit Agreement, or whether you do not hold an original signed Consumer Credit Agreement pertaining to myself.
For the avoidance of doubt, an original signed Consumer Credit Agreement is just that; not an application for credit and not a reconstructed or microfiched document from other sources.
Please note that until such times as a legally enforceable, original Consumer Credit Agreement can be produced and a copy sent to me by return, then this letter is not an acknowledgement of debt.
Please also note that failure to provide a direct answer to this request will be brought before the court, should you decide to defy the content of this letter and instruct solicitors to pursue enforcement action regardless.
Yours faithfully,
(always finish with a grin when I'm happy).
) was of a similar content and was part of a formal complaint..... so they had to respond to it.... and because they didn't respond properly to the concerns raised, they had to reply again!
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