Thank you for your advice. I have mailed the following letter, and let battle commence. Account No: **** **** **** **** Dear Sirs Under section 78(1) of the Consumer Credit Act 1974, I am requesting a copy of the original Credit Card Agreement, relating to the above account. Since this is the registered address of the account, I understand no other proof of identification is required. I enclose the statutory fee of £1.00 (which should not be used for any other purpose) and understand that you should respond within 12 days of receipt of this letter. If this is the incorrect address for this request, please forward it on my behalf. In the meantime I look forward to your early reply.

Good evening to you all. Over the past few days, I have read all the quotes and replys and my head is now spinning. I am one of the 161,000 who had their Credit Cards terminated, however payments are up to date, although I will be dead before the balance, if ever, is paid off. So, as I understand it, my first task is to request a copy of the Original CCA. If this is correct, can someone supply the first template for me to use. I had considered using The Claims Warehouse, but I now understand that they are a waste of space. To get results one must do this yourself.