Thankyou for replying, not sure if the T&C's were on the back, if i can remember rightly it was an application from out of a magazine. That is all they sent me with a 6page A4 copy of the T&C's which have my address where i am living now on it. They also sent me photocopies of my cc statements from 2003-2006, also a representation letter from 2006 from bank of scotland giving assignment of the debt to cabot

If any one can have a look at the above zip files for me and tell me if they are a credit agreement or not would be very helpfull thankyou

This is the copy of the application i was sent, i have blacked out my details and a copy of the first page of the credit agreement which is my address now, not when i applied for the card. thankyou application amed.zip credit agreement amend.zip

I recently wrote off cca letters to cabot for a copy of my credit agreement. What they have sent me back is a photocopy of my application form from 1999, is this the credit agreement as below it has the data protection act box on it with credit agreement regulated by the consumber credit act 1974 which has my signature on it They have also sent me a copy of the credit card statements and a copy of the credit agreement regulated by the consumer credit act 1974 between me and the bank of scotland which is about 6 pages in length and at the end it says sign if you wish to cancel, but this has my current address on it at the start where it says PARTIES, when the application has my old address from 1999. Which is the credit agreement? is the application form also a credit agreement or are cabot trying to confuse me as the debt will be six years old in april next year, and should i still send of the cca letter for 30+2 days. Thankyou