Hi BelstarBomb, Thanks for your previous post,, yer am ready for the dirty tricks and he long journey, with the support from consumer action i hope it will be a succesfull one. I sent the cca's by recorded delivery on the 30/3/09 they were signed for on the 1/4/2009,, it is now coming close to 16 days with no response from the Mint or virgin.. How can I be sure whether I have sent the cca's to the correct address (I sent the cca's addressed to the 'data controller' to the address on the back of the statement)?? Have you any advice on what I should do next?? Thanks again Ian

Thanks again for your response bb,, av sent s78 requests today so will keep you updated.

Hi Belstarbomb Thanks for your quick response, ok will get them posted out today and let you know my progress. With the s78 request are the creditors required to provide a copy of the original signed credit agreement or does providing just the t&c or application satisfy there legal responsability to the request?? Thanks again

Hi all,, I have been reading the posts on CAG for a while now, and following peoples success with unenforcable credit agreements. I currently have three credit cards that I suspect might be unenforcable and I could do with your help.. I was initally planning on sending s78 requests to the creditors for the cca's, but I am unsure whether this is going to be effective??? as I have read that most creditors are sending out just t&c??,, would it be better to send a subject access request, and by sending a "sar" is the creditor legal bound to provide me with the original executed agreement??? Thanks in advance.