They couldn't supply me with a signed copy of the agreement - just a printout of the agrement with no signature - and after the 12 working days AND 30 subsequent calendar days.

Don't worry I wasin exactly the same boat as you. I received a letter two days ago from RBS admitting that there is nothing they can do to collect on my debt (£1600) Follow the advice in this site. 1 Get everythingin writing from AIC - they can't write 2 Challenge the ebt - they have to prove and they can't 3 AIC pass it back to RBS but too late to be enforceable 4 RBS ask you to pay up - tell them to [EDIT] go away - out of date 5 RBS admit they cannot enforce it but suggest that you are "morally" liable for it 6 Have a good night's kip At the moment I am stage 5 and am aboutr to senda letter to RBS to tell them I have no morals. Simon Dale

Hi -- \sorry:-D

Their exactreply is this "In the circumstances we appreciate that under S78(6) of the CCA, If you decide not to meet your obligations under the card agreement as they fall due we will be unable to take steps to enforce repayment of the debt. However we consider that you should continue to meet your obligations under the agreement bearing in mind that the agreementisn't void, it remains valid and your continuing default will be reported to the Credit Refernece Agencies

I was hassled by RBS for over £3000. I made arrangements to pay £80 a month through a DCA called xxxxxxxxxx. I had no problem paying this debt until... All of a sudden, my Direct Debit was stopped, then I received an abusive call from ACI. The man (Mr Brown) threatened to send someone to "knock on my door". After much investigation and extremely threatening telephone messages, I looked towrads this website I followed the advice on this site and eventually my debt has been cancelled. I have a letter from RBS confirming that they cannot persue the case through the courts. If you want a copy of this letter I will email it to you via email. Contact me at edited and I will gladly forward it to you. As it stands, RBS have admitted that they cannot persue me through ht courts, but have suggested that I am "morally" liable for the debt and that they will register my non-payment with "the relevant Credit Reference Agencies" Personally, I think that this is also illegal.. Advice Please Simon edited