Consumer Credit Defence Pack

Unlock the power to challenge UK consumer credit agreements with legally-precise, court-ready templates.

The Freedom Financial S77/78/79 & DSAR Template Pack is a complete defence toolkit designed for anyone facing credit card, loan, catalogue, or finance-agreement debt in the UK.  These templates give you the ability to demand strict statutory compliance, expose unlawful data processing, and identify key breaches in a creditor’s paperwork.

Whether dealing with debt collectors, creditors, or enforcement threats, this pack arms you with everything needed to regain control, halt improper action, and uncover critical evidence to challenge enforceability.

What’s Included
• S77/78/79 CCA Request Template – Demand the agreement, prescribed terms, statements, and full compliance under the Consumer Credit Act.
• CCA Reminder / Default Follow-Up – Automatically halts enforcement when the creditor fails to comply.
• Advanced DSAR Template (ICO-Compliant) – Extract all data, call recordings, internal notes, assignment details, and evidence held against you.
• DSAR Breach Reminder – Assert GDPR rights and escalate where deadlines are ignored.
• Complaint Letter Pack – Challenge non-compliance, suppress CRA entries, and force investigation.
• Forensic Checklist – Identify every enforceability defect, data-breach indicator, and assignment flaw.

Why This Pack Works

These templates are engineered using UK-only law, including:
Consumer Credit Act 1974, FCA CONC, GDPR / DPA 2018, Carey v HSBC, McGuffick, and OFT1272.
Every letter uses third-person, formal legal language, making them suitable for creditors, DCAs, solicitors, CRAs, and regulatory escalation.

Perfect For
• Challenging enforceability of credit agreements
• Stopping unlawful collection activity
• Correcting inaccurate credit-file data
• Exposing assignment mistakes & missing documentation
• Preparing for FOS, ICO, or court escalation