Well to be honest both. My business has gone down the pipe and although ive got the moeny I dont want to clear the debts. So come on any guidance to my original question please ?

Thanks for the warm welcome maroondevo Two cards really: 1 Natwest mastercard 2 Lloyds TSB Mastercard & Amex( combined)

I have two questions I need help on pleae 1 I took out my credit card before april 07 but have only recently built up the debts ( xmas) I had 2 k outstanding and now its 15k. I have in the past paid off the whole amount and sometimes not used the card at all after april 07. Would this card qualify on a possible unenforcebale agreement. In other words is it the amount of debt before April 07 that qualifies. i.e card stary April 07 debt variable after April 07. 2 If I ring up for the CCA to be sent to me and then they cant find it or havent got it then I build up a debt after requesting the CCA copy then does that put me in a position that they can enforce the agreement. Based on the fact that I have requested the CCA and then becuase they havent been able to dleiver it I have increased the debt so would that make the agreement enforcable. Thanks in advance.

I took out my credit card before april 07 but have only recently built up the debts ( xmas) I had 2 k outstanding and now its 15k. I have in the past paid off the whole amount and sometimes not used the card at all after april 07. Would this card qualify on a possible unenforcebale agreement. In other is the amount of debt before April 07 that qualifies.