OFT has published guides for lenders and consumers setting out consumer rights under sections 77-79 of the Consumer Credit Act 1974. Some businesses are telling consumers they can use these sections to wipe out debts because if firms do not respond to requests for information under them the agreements in question become unenforceable. OFT has explained customers can still owe money under these agreements or be liable for interest or default charges and that the agreements become enforceable again once the firm has provided the necessary information.