They said this… · Credit & debt

“If they cannot immediately send the agreement, the debt is automatically written off”

Generally incorrect

Consumer Credit Act information/enforceability issues are more nuanced than “no copy means no debt”.

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Why this answer

What actually matters

  • Different CCA requests and agreement requirements have different consequences.
  • Temporary unenforceability is not the same as extinguishing the underlying balance.
  • The type/date of agreement and what documentation can lawfully satisfy the requirement matter.

What you could say

Keep the response tied to the actual rule.

Evidence

What to have beside you

  • Agreement, statements and full account history
  • Payment records and any repayment arrangement
  • Complaint correspondence and collection letters
  • Any statutory notice relied on by the creditor

If they still refuse

Move the dispute forward.

  1. Put a genuinely disputed balance or process issue to the creditor with precise reasons.
  2. For regulated financial firms, the Financial Ombudsman Service may be an individual-redress route after the complaint stage.
  3. Keep data-accuracy and debt-enforcement issues conceptually separate; different rules may apply.

Read the full rules

Go deeper before escalating.

Primary guideRead the detailed ConsumerWise guidance.Disputed balancesRead the full guide.Consumer Credit ActRead the full guide.Debt collectionRead the full guide.