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1. It is correct that under the Consumer Credit Act that unless the provider of consumer credit can provide a copy of the credit agreement that the debt cannot be collected. Accordingly, you can withhold payment from those credit companies who cannot produce their credit agreement to you. Be aware that this is different to the rule concerning a tenant seeking monies to pay for repairs. The Consumer Credit Act is statutory in nature. By contrast the rule that a tenant may withhold monies to pay for repairs to the rented premises is an old common law rule. But the general principle is the same.