Thanks for that - will update with further info as it comes =) Your help is most appreciated

Sorry to be a pain - But I can't find the registered address or HQ address for them on Google, as on the letter from HBOS, it only contains the PO box address - Can anyone provide with it please? EDIT - sorry, quicker than me =p - thank you!

Wow - thanks for the fast response - Okay - I have found the CCA request template, however on the letter I have for 1st Credit they list a PO Box address PO Box 278 Reigate RH2 7WB Can I still send a recorded delivery letter to this address, or is there another one for 1st Credit?

Hello all, first time post, but need some urgent help. When I was younger I signed up for an HMV Style card, which was a store card. I eventually ran up a balance on it, and with my student life, juggling going out and studying, I forgot about the debt - this was 3 years ago. I've not heard anything from Style about it, until I got a letter through the post from RBOS stating that my debt for my RBOS Credit Card has been assigned to 1st Credit Finance limited since the 2nd of august 2006 - As I say this is the first thing I've heard of them for about 3 years. So I rang 1st Credit up and was told by a lady (Karen) that this was my Style Card account and that the balance was £646 and that because the account was being transferred to "Legal" then the only way I could pay it was by paying off the full amount - at this point I was rather confused, as I've not had any correspondance with anyone about this for 3 years, so I told her that, at which point she explained that 1st Credit has sent me 3 letters. again I told her I hadn't received any correspondance from 1st Credit at all (infact the original letter was from RBOS!)- Now I can't afford that at the moment, as I have a child on the way, which I explained to Karen, but told her I could pay £50 a month to clear the debt. Karen explained to me that because it was going to Legal, that installments are impossible but if I can't pay the full amount they'll accept £500 to clear it. Again I told her I couldn't afford to pay this - She asked me if anyone else had a credit card/debt card that would be able to pay it for me - I said no - She said that unless the account was paid off within 48 hour then Legal would start court proceddings - I explained that there was no way I could pay within 48 hours - She stated that she could hold the account for me for 7 days to see if I could, and I quote "come up with the money". So it's been left at that so far - My question is, can 1st Credit refuse to accept a payment plan, when I have quite clearly told them that I can't afford a lump payment. Or is there anything else that I can do that will hold them off a little longer so I can find £500?? Really hope you can help