Thanks ODC..Should I pay them last months late payment, or should I just send them a request for CCA? If so, do you know where I can get a template? Thanks so much for your help..emjaysee

Hi Everyone...I have just logged in this site and was amazed to find people in the same position as myself! I have various debts with credit card companies and the infamous Blair Oliver and Scott. Am I right in thinking that I can challenge each and every one of these companies to send me a CCA? If so, can I get a template of a CCA demand to send out? Iam a homeowner and have already been sent a letter from B O & S that they have the power to sell my property to recover the amount outstanding because I have missed 1 payment! Iam frightened to death! Can anyone advise me of my next potential move?! Do I just keep on paying them? Thanks a lot.....Emjaysee:(