thank you to everyone.

No, I dont have the original agreements, I suppose I can request copies.

I registered a new thread on "Martins Money Tips" site the other day broaching the subjext of "are my four credit card agreements unenforcable ? To which I also said that an online legal company ( of which there are many) offered to check the legality of these agreements for a fee of £400 per for each one. If their barrister found them to be unenforcable it would proceed to court and the credit card dept cancelled. If the barrister was of the opinion a case could not be won the £400 fee would be refunded. * Someone from this consumer forum replied that if I joined this forum my agreements could be checked for free. (1) How would I do this ? (2) If found to be unenforcable what would I do then ?