Thanks again - has yours got that far or are you waiting for them to reply?

Thanks for your reply. Do you know which part of the agreement makes it unenforceable?

Hi Has anypne had time to view my agreement? Best Regards

Thanks for the reply. How do I get someone on board to check the CCA? Also, what is PPC?

This is the infomation that was on the back of the page above. They have sent no other inforamtion

Does this work?

Thanks again Sorry, I don't know how to use photobucket. These people are ringing me tomorrow so they can decide how much I can afford to pay to them (so they say). Is it best that I type in the details from the application form or is there a better way? Is a signed application from a CCA?

Thankyou for your quick reply. These people have been bullying and unhelpful for quite a while now and I am finding it difficult to come to a resolution. I've tried reasoning but they just want their money now and will not negotitate or settle for anything else. I have attached a copy of the scanned application form they have sent to me when I requested my CCA. I have removed all of the detail I put in about myself but it was signed. Can you or someone tell me if this is enforceable or not. I think I've downloaded them correctly but let me know if you cannot read them. Thnaks again!

Hello Can anyone help to make asure I am going in the right direction please? I have been writing to a credit card company for over one year now due to a change in my circumstances. I have asked them to freeze the interest (as suggested by the NDL) and offered to make small payments in order to clear my balance but i have had no written reply from this company, only continual letters chasing payment and increase interest charges (now 34.9%). I found some information on this site and wrote to them asking for a copy of my original CCA. After three months they sent me a signed copy of the front page of that agreement. Just before the copy arrived I sent a letter telling them of their default and that I would no longer be making payments whilst the agreement was in dispute. The copy of the CCA has not got all of the information on it and therefore I am assuming it is still unenforceable. The credit card company have continued to add interest to my account and have now sent me a letter stating at the top "Potential Commencement of Legal Proceedings". They have asked me to call them and told the my calls will be recorded. Am I still okay to explain that this agreement is still in dispute and does the law really proctect me from their threatening actions?