Thread: BoS credit card - no agreement

hi there,
I am new - so I hope I am not in the wrong loop with this:
I have not found any special threads re credit cards: I took out a BOS credit card in 1999 with them and after a period of some financial difficulties they have 'closed' it, on my statements is now shown a strange amount as to be repaid per month, sometimes lower than the interest estimated.
I initially phoned them months agao requesting a copy of my agreement, phoned back a few weeks after - they had a record of my request - but I have still not received the agreement. Assume they have not got it.
shall I write again, using the pro forma letter on the page re loans? give them a short deadline of 12 days?
I have had an offer of one such company charging me 500£ and guaranteeing they can write it off. They seem ok - apart from charging upfront. I would prefer to try and tackle the matter myself - anybody got relevant experience?
many thanks
btw - this was initially a card sponsoring my then trade union - they have now concellled the contract with BoS.

You need to request the copy of the agreement in writing.

Is the account still with BOS or is it now with a debt collection agency?

Regarding writing the debt off, you can deal with this yourself with the help of CAG and save yourself 500 quid.

thanks for your reply - the card is with BOS - for a limited period they had very ineffective call center agents from Halifix working for them i.e. hassling me by phone call - the annoying thing was that they never ever had the information about what I negotiated with the bank when for a limited time had to make reduced payments. When I went back to full payments I learned that BoS had 'closed' the card - although my statement every month still lists the originally higher credit limit. It is all a shambles - no professional behaviour in sight.

can you kindly direct me to the pro forma letter to write to them to request the agreement - I still find the site a bit of a jungle

many thanks

Use template N here. Send it via recorded delivery with a one pound postal order. do not sign the letter.

M&S have not suppilied CCA even though I sent CPR31.16 letter (Not sure if that applies in Scotland?)

No it doesn't apply in Scotland. The Civil Procedure Rules only apply to England and Wales.