Thanks Slick On a different note would you know if I could send a request for my CCA if I also have a Credit Card. I have had my Credit Card for about eight years now and owe about a couple of grand. They keep increasing my limit so I still have about another couple of grand left to spend on it. I'm hoping if they don't have a CCA I won't have to pay my outstanding balance?

Hi I got my Halifax Credit card about 8 years ago. I owe a couple of grand on it. They regularly increase my limit. I am wondering if I write to them asking if they could send me a copy of my CCA and they don't have it will I not have to pay? I have heard this is the case for Bank Loans if the loan was taken before 2004 & am wondering if it is the same for credit cards?

Hi I originally took my loan out with Barclays in 2003. Last year I still owed a couple of grand on it but I asked if I could top up my loan to get a car. My bank done this for me and sent out all the paperwork, I still have the copy of the CCA I should have sent back to them but which I never. I also remember ticking something online. I am basically asking is there any point in me sending a letter to them asking for my CCA? Also if there is no point would I not be able to ask for the CCA I originally signed back in 2003 and if they don't have it could I ask for the couple of grand I originally owed be deducted from the amount which it was topped up by last year? I hope this makes sense, I am new to this sorry.