Hi all I have beenn a lurker for some time and used the information found here to tackle Abbey. The whole thing started unrealated to my credit agreement. I took up a credit card with Abbey around the 10th of April 2007 (online) for the purpose of transfering a balance to a 0% rate. at the time of application I gave my bank details and asked that they set up a direct debit for the minimum payment. they failed to do it and after I had set it up again while making manuel payments it failed repeatedly. they could give me no reason for this. they removed my 0% rate and may have marked my credit file. This has now partially been resolved as they have admitted to not setting up the direct debit and have applied the 0% rate for the period stated. Now, the problem I have is that while all this was going on (feb 09) I asked for a copy of my credit agreement. they have repeatedly stalled and yesterday informed me they dont have it. what are my options now? there is lots of info out there but I cant find anything specific to cards taken after the 6th april 2007 (I was only a few days after!). Can I now tell them it is not enforcable and negotiate a full and final settlement, while also stopping my direct debit? Most correspondance has been by post sent recorded delivery, but lately they have taken to phoning me and yesterday told me that I have agreed to the terms and conditions by using the card and they dont need an actual agreement. is this true? also, is it relevent that I have never actually used the card and it has simply been used to pay off a balance transfer? really hope someone can help me....... im lost at how to proceed:confused: many thanks