What rights to information do I have ?
Information:
Consumer Credit Act rights
You have the right to ask a creditor for a copy of your agreement and a statement of your account only if you still owe them money on the account. If you have paid your debt in full, or if your lender has taken court action, you may not have these rights. Contact us for advice.
You have rights to ask for personal information from creditors and other organisations because of two laws:
- the Consumer Credit Act 1974; and
- the Data Protection Act 1998.
The kind of information that you can get is different under each law.
- The Consumer Credit Act gives you the right to ask for a copy of your credit agreement and statements of your account.
- The Data Protection Act gives ‘subject access rights’ to get personal information held by the organisation about you.
Which letter should I use?
Information:
how much will it cost?
The fee for asking for a copy of your agreement and statement of account under sections 77, 78 and 79 of the Consumer Credit Act is £1. There is no fee if you ask for a statement of your account under section 77b of the Consumer Credit Act.
There are three sample letters in this fact sheet which you can use to get different kinds of information.