Hi Gill5blue Wow well done you on everything so far!! Exciting! Just started following this today as we have just received the generic terms and conditions from Barclaycard, after asking for signed CCA a few weeks ago - so i think it's time for letter number 2 soon don't you!! Did you stop payments straight away after they failed to provide you with your CCA in the beginning? Thanks to everyone else for your comments too - i notice our Ts and Cs are well out of date too (card taken out March 2001 and charges set out in Ts and Cs state that more recent £18 charge!!!) Will be watching your progress with baited breath and will be just one step behind!

Hi all! This is my first post (woo!)... Been having a right good rummage and read through thsi site (it's brilliant - well done you!) but just have a quick question if anyone is able to help? Am just about to post letter number one to my bank to ask for my CCA. I took a loan out in Feb 05 with A&L... ...I don't for one second think its perhaps right (although its VERY appealing) to try and write the debt off, after all i borrowed and spent the money, BUT would like to try and claim the interest i've paid for 3 years PLUS get the interest cancelled on the outstanding debt. Is this possible? Is this the best i can hope for? Or should i try and cancel the remaining ammount? I have 24 months still to pay. I Have never defaulted on a payment. All advice very gratefully received!! If you need any other inof please let me know... Have added a single line into my letter (is it letter N?) asking for a settlement figure too. Its potentially very exciting but my head is SPINNING! Thank you so so much for any help!!! TheBee