Hiya, does the Consumer Credit Act 1974 cover Barclays current accounts and the overdraft facility? Many thanks.

http://i643.photobucket.com/albums/uu153/fighter2802/CapQuest_150709_blk.jpg This is one of the first letters we received from CapQuest stating a CreditCard account was sold to them by M&S Money. So am I right to assume they're in breach of the CCA request by not sending the correct agreement? Many thx

Not sure why previous link no.3 was a duplicate (?) Here's the 'Conditions of Use' T&Cs http://i643.photobucket.com/albums/uu153/fighter2802/agreement_tandc.jpg Any advice?

Letter http://i643.photobucket.com/albums/uu153/fighter2802/CapQuest_070809_blk.jpg Credit agreement http://i643.photobucket.com/albums/uu153/fighter2802/agreement_01_blk.jpg T&Cs http://i643.photobucket.com/albums/uu153/fighter2802/agreement_02.jpg Here's the letter and credit agreement we received. It's for an M&S Chargecard dated 1985 with an old address, but they're chasing a debt for an M&S Credit Card account. Also, the page with 'conditions of use' looks like it's been taken from a different document altogether. Any further advice on how I should phrase a reply letter? They haven't complied with CCA request for the true copy of the credit agreement so should I still give them 7/10 days in order to produce the correct documents? Many thx

Re: zosaphine / steven4064 / captain2 Thanks for your help/advice. I'm new to CAG website so still trying to find my way round the forums and threads. I'll reply to them and say they have yet to comply with the CCA request as it's an incorrect agreement for the debt they are trying to chase. Does the original 12+2 days still apply? Thx