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Request for a copy of your credit agreement under the Consumer Credit Act (UK)
England, Northern Ireland, Scotland and Wales · in English · for consumers
€2.00Fill it in online free — pay only to download
9 questions · about 4 min
Made for use in England, Northern Ireland, Scotland and Wales
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Your answers stay on this device for 7 days, or until you clear them.
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- No account needed
For a borrower with a loan, credit card, store card or catalogue account regulated by the Consumer Credit Act 1974 who wants a copy of the agreement and a statement of the account. Under section 77 (fixed-sum credit such as a loan) or section 78 (running-account credit such as a credit card), the creditor must send them within 12 working days of a written request with a £1 fee; while it fails to, it cannot enforce the agreement. Send it with the fee, first class with a certificate of posting.
- Made for use in England, Northern Ireland, Scotland and Wales
- Last updated October 28, 2026
- Document in English
Where a UK document reproduces the words of legislation or of a government publication — UK, Scottish or Northern Irish — it contains public sector information licensed under the Open Government Licence v3.0.
Published byDocMuse
When to use this document
- You want a copy of your credit card agreement from a lender in the UK.
- A creditor is chasing you and you do not remember what you signed.
- You cannot find the paperwork for your personal loan and want a copy with a statement.
- You want to send a CCA request for your credit agreement with the fee.
What you fill in
The details the document asks for.
- Sender
- Sender's address
- Town or city
- Sender's postcode
- Date
- Creditor
- Creditor's address
- Account number
- Kind of agreement (section 77 or 78)
Common questions
- How long does a lender have to send a copy of my credit agreement?
- Twelve working days from receiving your written request and the £1 fee. If it fails, it cannot enforce the agreement while the failure continues, although the debt does not go away; once it complies, it can enforce again. The copy may be a reconstituted one rather than the signed original.
- Which section applies to my account, 77 or 78?
- Section 77 covers fixed-sum credit, such as a personal loan or hire purchase with a set amount; section 78 covers running-account credit, such as a credit card, store card or catalogue account. Hire agreements are under section 79. Choose the section in the form; the request is otherwise the same.
- Can I get a copy of my credit agreement free of charge?
- Many lenders send a copy or statement free if you ask through the app or customer service, and a subject access request under the UK GDPR is free. Neither is a request under the Consumer Credit Act, so neither has its 12-day deadline or bars enforcement if ignored.
How you can sign this document
- Print it and sign by hand. The signature lines in the document are left blank on purpose — sign on them in ink.
- Sign it yourself with a qualified electronic signature. If you already hold a QES — Evrotrust, B-Trust, StampIT, ZealiD or any qualified provider on the EU Trusted List, on a card, a USB token, in a mobile app or in the cloud — our signing guide explains step by step how to sign this exact file without invalidating it. Step-by-step help, and a way to check it worked
DocMuse sells documents, not legal advice. Acceptance always depends on the recipient's rules and your local law.
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