I have similar situ with RBS card. They accept the agreement is unenforceable but will register default! I have been advised that this is how these matters rest!, however, if you find a way to get them to remove default, would appreciate assistance. Good Luck.

Forgive me for being stupid too, I do not know how to start a new thread, but i need clarification just like you abx. I had letter from RBS today stating they cannot produce an original agreement and that 'regrettably we are unable to fully comply with your request made under Section 78 (1) of the act', however 'not withstanding this the agreement remains valid, ad we expect you to continue to meet your obligations under the agreement......... if cease to make future payments as they fall due we will reprot details of missed payments and the default to the credit reference agencies' and ' Section 78(6) 'unenforceable' only prevents us from pursuing recovery of the debt though the court'. So what can i do to get this account totally cleared and no adverse on my credit file? Any help/advise is much appreciated.

Hello guys, I'm new to this site, but find the contents of this forum very interesting. I am following the comments made here and will advise outcome of my credit accounts. Fingers Crossed! In this case, does Drewsters have a responce from last letter?