I don't want to hijack this thread but i think the comment is appropriate. I havea GM Card managed by HFC Bank. I have sent a letter in February 2008 asking for a CCA. They wrote back stating they couldn't find the documentation but they did give me a record of my last 6 moinths statements. as i haven't been paying them i get intermittant phone calls, letters asking for payment to which i have said no, not that i am refusing to pay, just i want to see my CCA to check its fair and valid before paying anymore. they currently state tey are dealing with my request as a complaint. Can i 1) demand that they cancel the debt due to failure of providing CCA, 2) request back all money i have paid into them and 3) get all credit records erased. If yes how do i do this. If Tommos case goes my way it will become applicable to him in time.