OFT has published for consultation a guide for industry and consumers on the parts of the CCA that allow consumers to ask for information about their credit agreements. It seems some debtors think they can use these sections to get their debts written off and some creditors are not providing the information they should. The guidance clarifies several issues, including that the creditor can provide a reconstituted agreement rather than an exact copy of the original and that if it cannot comply with the sections it is restricted in the debt collection activities it can do. OFT wants comments by 21 April. (Source: 05/10 and Guidance on sections 77/78/79 of the Consumer Credit Act 1974 – the duty to give information to debtors and the consequences of non-compliance on the enforceability of the agreement: An OFT consultation)