Hi, I'm also kind of new to this forum. I did post once about a company who would rip me off to get credit cards cleared but am now ploughing my way through this thread to confirm that I can do it myself. So this is where I'm at right now - I get the template letter requesting CCA from, lets say MBNA for eg. I send it off to them, I know they can't send a copy of a CCA because I applied online for the card and then as if by magic, one day a card appeared on my doorstep, so I didn't even sign an application form. So then what do I do? It's this next stage that I can't find on this thread. Please help as I really do think i've a good case here and with MBNA charging me 30+% because I missed a couple of payments which turned out to be the fault of my bank, I really don't have any moral issues with regards to trying to get the agreement terminated. Many thanks for any help and I do apologise if this has already been answered within the last nearly 2 years!!