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This is a letter that can be used to request a statement of account for any consumer credit agreement. Such agreements will include hire purchase, loans, PCPs, credit cards and virtually any other type of credit agreement provided to consumers (rather than businesses).
The statement will provide information such as the amount outstanding, the interest and principal to be paid, how much will need to be paid to settle the agreement early, and how such figures are calculated.
How to use this document
Once this document is completed it should be posted it to the lender, and who should write back with the requested statement. If there is no response from them within 7 days to provide the requested information, they are in breach of s.97 of the Consumer Credit Act 1974 and cannot require any further payment towards the agreement from the borrower until they have provided the requested statement.
Consumer Credit Act 1974
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