Creditors have a duty to give information to debtors with regards to their credit agreements, as per Sections 77, 78 and 79 of the Consumer Credit Act 1974:
The CCA request should be sent to whoever is pressing you for payment, whether they are a debt purchaser or the original lender. If the account has been assigned, the new owner has the obligation to request the documents from the lender.
The letter should be sent recorded delivery with a PO for £1, which can be left blank if the account has been assigned and the debt purchaser needs to go back to the original creditor. The creditor has 12 working days (+ 2 allowed for service) to respond to a CCA request.
The letter below is stronger and warns the creditor that , unless they fully comply with your request, the account may become unenforceable. This letter is better suited to:
The letter below is aimed at debt purchasers or debt collectors who may want to argue they are not the creditor and ask you to send the request directly to the original lender.