Thanks for the advice, I will post the agreements when I get them. I am a bit scared about going to court - would I be allowed to ask someone to go for me, to represent me - I know I would go to pieces if I had to go to court. Do credit card companies settle before court do you know?

Hi Guys. I have been reading the blog with great interest and excitement. I have 2 credit cards M&S £11,000 and Egg £7000 and I think they are both unenforceable. The M&S mastercard I have had since about 1988 when it was a chargecard and then automatically was 'upgraded' to a mastercard and the Egg card I have had since 2002 I think. I came across a company called Credit Issues who, for a fee, were going to deal with my case but I was a little weary of handing over £450 (fees) and there were additional charges of £1000 I think if they won. Loads of small print on their paperwork and I got scared and then came across your site. I wonder, has anyone had dealings with Egg & M&S before and with what success. Also can anyone recall the Chargecard automatically upgrading to a credit card or did I dream that bit. I have found on your site the two letters I need to send thanks. Just one question which worries me is that if I am sucessful after the 2 letters - do I actually have to go to court etc .... Thanks very much, all advice is so welcomed, my minimum payments are totally £500 pm and life is really hard at the moment (like it is for most I know)