Re: BillyTommo's UE Diary
I emailed the OFT as recommended on here. They replied basically sending me a link to read:
OFT consumer guidance on Section 77-79 of the Consumer Credit Act (October 2010) - The Office of Fair Trading
Basically this just told me nothing new. What it didn't tell me was whether or not they can demand my signature. I emailed them back thanking them but reiterating what I was after. Yesterday they responded with confirmation that a signature is not required, what we all know but it has now been confirmed by the OFT. Below is a copy of the email:
Ref: XXXX/XXXXXXXXXX
Dear XXXXXXXXXXXXXXXX
Re: Demand of Signature by Creditor
Thank you for your further email of 03 July 2012 to the Office of Fair Trading (OFT).
I have again liaised with the credit team who have provided the following guidance.
Section 78 of the Consumer Credit Act requires a creditor to provide a debtor with a copy of the executed agreement (if any) on payment of a fee of £1. Section 78 does not require that such a request be signed. The creditor would need to be able to ascertain that the request had been made by the debtor and therefore a signature may be one means of trying to ensure that it does not disclose details of the credit agreement to anyone other than the debtor, which may amount to a breach of Data Protection principals.
I hope this information proves helpful.
Yours sincerely
Mariam Sharif
Enquiries and Reporting Centre
I will now respond to NW's latest garbage! I'll keep you all posted.....
I emailed the OFT as recommended on here. They replied basically sending me a link to read:
OFT consumer guidance on Section 77-79 of the Consumer Credit Act (October 2010) - The Office of Fair Trading
Basically this just told me nothing new. What it didn't tell me was whether or not they can demand my signature. I emailed them back thanking them but reiterating what I was after. Yesterday they responded with confirmation that a signature is not required, what we all know but it has now been confirmed by the OFT. Below is a copy of the email:
Ref: XXXX/XXXXXXXXXX
Dear XXXXXXXXXXXXXXXX
Re: Demand of Signature by Creditor
Thank you for your further email of 03 July 2012 to the Office of Fair Trading (OFT).
I have again liaised with the credit team who have provided the following guidance.
Section 78 of the Consumer Credit Act requires a creditor to provide a debtor with a copy of the executed agreement (if any) on payment of a fee of £1. Section 78 does not require that such a request be signed. The creditor would need to be able to ascertain that the request had been made by the debtor and therefore a signature may be one means of trying to ensure that it does not disclose details of the credit agreement to anyone other than the debtor, which may amount to a breach of Data Protection principals.
I hope this information proves helpful.
Yours sincerely
Mariam Sharif
Enquiries and Reporting Centre
I will now respond to NW's latest garbage! I'll keep you all posted.....
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