Can anyone help me with the enforceability of the Post Office Credit Card CCA from 2006? I applied online, then must have been sent the CCA below to sign which is an appendix attached to a 14 page Credit Card Application. There isn't a Credit Limit outlined and many of the prescribed terms are outlined within clauses in the application not the CCA itself. Is this allowed/enforceable?

will do...I'll post up any further news.

The way I have post the Default Notices may be a little confusing as I have posted the most recent first (23 April), followed by the original letter(Sent 18 March). Regardless of this they have threatened to termininate my account on two different dates, the 15 April (Now passed) and the 21 May. They have still not responded to my CCA request and I have informed them the account is now in disspute.

These are the two Default notices I have recieved from Egg for the same account.

Thanks Elsa & 42man...I'll read up on these topics this evening.

Cheers Jim...I'll have a look around for something suitable.

cheers....Do you know if there is a standard letter kicking around?

The only acknowledgement is in the letter posted above. They refer to my account dispute as a complaint.

Thanks....that is the letter I sent on the 12 March to follow up the fact that they had not responded to the initial CCA request. Do I need to send it again or is there another letter I should send? If not I am quite happy to just wait for them to respond to my previous letters.

I CCA'd MBNA on the 20 Feb 09, followed by an Account Dispute Letter 12 March 09. Both letters were sent by recorded delivery and have been recieved as they have been signed for. Despite this I haven't had any acknowledgement from MBNA, just serveral payment requests and a Default Notice. Is this normal behaviour from MBNA or is it possible that I've been lucky and they don't have a CCA? I'll have taken this creditcard out around about 2005/2006. advice appreciated. thanks

To I recieved a second Default Notice Served under section 87(1) of the CCA 1974. The lettter states that I have until the 21 May 09 to pay all over due installments and the over limit amount. Still no CCA provided and Account is in dispute. Should I continue to sit tight or is there an appropriate responce I should make?

Are the letters above sufficient or should I include this one as well? ACCOUNT IN DISPUTE Dear Sir or Madam, Account number: XXXX XXXX XXXX XXXX I must admit that I am rather bemused as to why this account has been passed to yourselves, as it is in dispute with the **original creditor/DCA** and has been since DATE 2007. Not only is this a breach of OFT collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998 My last letter from **original creditor/DCA** was DATE and intimated that my complaint would be resolved on **DATE**, this obviously hasn’t happened. As **original creditor/DCA** are now in default of my Consumer Credit Act request, OFT Collection Guidelines, *Subject Access request and have also breached *s10 Data Protection Act request , I consider this account to be in SERIOUS DISPUTE. As you are aware while my Consumer Credit Act request remains in default enforcement action is NOT permitted, under s127 this constitutes a complete defence at law. Now I would respectfully suggest that this account is returned to the **original creditor/DCA** for resolution of these defaults and breaches, as **New DCA** cannot lawfully pursue any enforcement activities. If **New DCA** chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action. After taking advice, I am of the opinion that any continued pursuit is in violation of the Administration of Justice Act 1970 section 40 as well as breaching a number of the OFT Collection Guidelines I hope that this will not be necessary and an acceptable solution can be accomplished. I would appreciate your due diligence in this matter. I look forward to hearing from you in writing. Yours faithfully

Looks good! I send it over the next couple of days. cheers!

Do I need to send another Account Dispute letter as I have already sent one prior to this letter?

Yeah...all the correspondance I have sent has been filed and sent by recorded delivery. I'll ignore this one then!

Account passed to Debitas Any thoughts on what response I should make? if any?

Finally I have had an aknowledgement of my account dispute letter. Looks to me like they are struggling to find an enforceable CCA.

I managed to delete 8 from 12 different creditors. I'm sure the phone would be constantly ringing if I hadn't of acted so quickly. I have no intention of calling any of them!

I'm glad I deleted my telephone number using my online account before I CCA'd them. Should I ignore this letter or respond stating written correspondance only?

I still have creditors missing after checking both Experian and Equifax, I'm not sure if it just because they have passed the debt to DCA's or because they haven't updated my records properly when they started to issue defaults aginst me. I was planning on waiting a few month then checking again. I would be over the moon if they are still missing! It'll save me time in the future trying to remove defaults from my file.

Thankyou Seminole....I thought that would be the case. I am just a bit wary of not responding to their constant correspondance requesting full payment. If I did end up in court I want to be able to cover my ass. Like I said I have issued them full details of what I can afford to pay them on several occasions. Also I was a little wary of these so called solicitors, as I never heard anything about them on CAG. I think they are a in house outfit who claim to be a seperate entity, as you say to issue scare tactics. I am quite suprised that CDUK have not realised/concluded that I will not pay them anything more than that which I have already proposed!

Here is correct JPEG This is strange letter I have just recieved The unsigned letter is from a solicitor acting on behalf CDUK whos client is barclays. The letter also states that correspondance should be sent back to CDUK. I also noticed they are at different addresses. Has any had anything like this before? Thanks

Cheers guys I accidently uploaded the wrong JPEG.

Any further virews on this CCA? There is no Halifax signature and there are 6 pages missing???