Many Thanks CreditCardMug. I appreciate it. They are such a nightmare. I wanted to pay this off but they have made it nothing but difficult and have been continually hostile.

bump! sorry. still need advice as 7 day warning from them is up tomorrow.Thanks.

Just bumping this thread for relevance.....(ps- did not see your post til now Hopeful1 so please accept my apologies for not responding) Shortly after I recieved this CCA, I was advised by Hillesden that the account would now be returned to the handlers and they would be in contact regarding making payments. That was in August 08. Only last week did I get a letter from DLC claiming they were working on behalf of Hillesden Securities and were contacting me regarding the debt account.They asked to contact them immediately at the number they provided and that "failure to respond to this letter may result in further action which could increase the value of your debt. If we do not hear from you within the next 7 days we may visit this address to confirm the information we hold." Advice on my next move please? Do they seem like they are starting from scratch? They did not identify the credit card company. Can I say I acknowledge no debt to DLC or Hillesden Securities and request a CCA and proof they own the debt and should I tell them they cannot visit my property?? They seem really inept.

I have a debt with MBNA/Virgin and my CCA/Application form does not have the credit limit on it and looks very different to that. I have my own questionsin relation to mine but have a look at my thread here and compare it to mine if you want.

Not sure if it makes any difference but I'll mention it anyway... On the first page under the part where it says Representative Use Only it asks if the form has been completed by the customer and it's marked "no".

it doesn't actually state the amount of credit at any point. It just says that from time to time they will choose the credit limit and notify me of it. In relation to payment it just says- By the payment due date shown on the relevant statement you must make at least the minimum payment shown. It says they will choose the first date of the first statement and later statements will fall one month apart As for the APR it says - it depends on limit and transaction and gives examples of credit limits in relation to retail and cash advances. Under the section about loss or misuse of cards it says-

No it is a separate sheet you mean just above my sig? It says I have the right to cancel and exact details of how and when will be sent to me by post. Then it says- This is a Credit Agreement regulated by the Credit Consumer Act 1974. Sign only if you want to be legally bound by it's terms. At no point does it say the terms and conditions are over-leaf either before or after my signature. It only says underneath the part entitled Principal Cardholder's request and declaration- Before you sign the agreement you must read condition 11 in the terms and conditions provided. I don't know if it says 1.1 or 11. But there is no condition 11.

I should add that it seems to be a photocopy and this was also attached to it

Hi All- a while back I posted on here about DLC chasing me for a debt I had with MBNA and how abusive and unprofessional their beahviour. On the advice of some back in May I wrote to them seeking a copy of the original CCA. Finally today I received this- do you think it is enforceable. I don't want to shirk my responsibilities but as I stated before, I was trying to pay this off and they were being so difficult about it at every turn. The debt is a little over £3,000. I still don't know if they have bought the debt or are simply enforcing it. BTW I simply erased my name- it was not left out of the application

interestingly- have just looked at my bank account and they cashed my cheque last week. But still no CCA from them....hmmm

Will do. Thanks you.

Oh that would be a sweeeeet technicality.

oh really? Fair enough. It's just that they sent me a letter on friday informing me that they did not receive the most recent payment and I had to contact them or further action would be taken. Since they are now in default of my request I though I could throw that back at them. But I guess I'll wait for them to phone. Thanks.

The 12+2 days are up since their last correspondence!!! mwhahahahaha. I'm taking it as a minor victory so far but I know they could still- in theory-produce the original agreement, though it must have been almost 6 /7 years since the agreement was actually created with MBNA, and MBNA are not renowned for digging such stuff out. So now I send DLC that letter advising them they are in default of my CCA request and cannot request payment or threaten legal action correct? Should I also demand the original copy not the true copy as they suggested because only the original copy will stand up in court? Thanks for all the advice on this so far.

from what I understand they need to produce a CCA that will stand up in court- without it, a judge will throw out the debt. What constitutes a vaild agreement can be found here-is my agreement enforceable So whilst they can still produce it, until they do they can't hassle you for payment or threaten legal action as they don't have a leg to stand on.