Request for Original Credit Agreement
Draft request for Original Credit Agreement with an escalation ladder and an evidence checklist.
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Write a letter asking a creditor for a copy of the original agreement and statements. Inputs I will provide: creditor [CREDITOR_NAME], account [ACCOUNT_REFERENCE], approximate dates [APPROX_DATES], reason [REASON]. The letter needs to identify the account and ask for the signed agreement, a statement history, and default notice. Identify the account by the details I know, ask for the signed agreement, the full statement history, and the default notice, and say what I will use them for. Offer to send identity details through a secure route only. What to collect first: the account number, the name of the original creditor, approximate dates, the statements I still hold, and the collector's reference. What I can realistically request: a copy of the signed agreement or application, the terms and conditions in force, and a full statement history. A typical reply: "We no longer hold the signed original." Answer by asking whether they can still prove the amount and their right to collect, and ask them to pause collection until they can. Begin with an exhibit table for the request for original credit agreement (exhibit, what it is, what it shows), add a gaps column, and then write the letter and refer to the exhibits. Deliver the finished letter and a short cover note, around 60 words, plus an escalation ladder for the case where I am ignored (reminder, then data protection authority if rules provide, then advice), then a proof checklist (my identity details sent securely), then one records tip. Send it by certified or registered post with proof of delivery, and keep the receipt and a scan of the letter. Draft the letter from me personally as a layperson, never as a lawyer or law firm, and skip any letterhead I did not give you. Do a completeness check on my inputs first and point out assertions I cannot back up. Cite no statute, case or deadline from memory; take guidance only from [JURISDICTION] and [RELEVANT_LAW_OR_POLICY_IF_KNOWN], and remind me to check the exact law with a qualified professional or a local consumer agency. You are drafting for me, not advising me legally, so avoid telling me what would win. Stay calm, plain and courteous, and free of abuse, and use only the deadline I set in [DEADLINE].
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