Big pants or little pants........

:D:p

Hope you can see it ok

hi thanks fox, I'm shouting cos I dont have a clue how to post it on here sorry! Its not a very good photocopy in the first place but tell me what to do and I will have a go fedup

Sorry that should say £2K!!!! And it was a charge card.

Hi am new here and in need of a bit of advice. I have a debt of £2 from M&S that I defaulted on in 1998. I have been paying this company Rockwell since 2003, £5 per month. Last year I asked them to p[rove the debt by requesting a CCA from them. They sent me a copy of the application form I signed in 1994, and nothing else. There are no terms and conditions and no details on how the debt is to be repaid. I have, since october 2008, withheld payment to them, since my circumstances had changed. Now they are getting heavy saying they will take me to court etc and, when I mentioned the CCA, they said, and I quote:- "Turning to the copy Application forwarded to you, please be advised that under the consumer credit act 1974 this is the document required to be produced to you and which you have acknowledged recieving. There is no such doccument as a "CCA" as you have mistakenly suggested" Is this right? I dont want to go to court but if I do then I will dispute this. Any advice would be most welcome.