thanks sunflower will give it a go:)

I have recently received some paperwork from crap 1 titled credit agreement regulated by cca 1974......the first papragraph states terms and conditions as says this is an agreement between........of(address).........etc.It states no credit limit by says we will notify you of this, it does state apr but is just a couple of printed pages with no sig???? Is this enforceable????Can anyone help or know what next step will be??/Letter sent with it says its a reconstituted agreement of orginal.The card was taken out in 2001 but the date is smudged on accompanying letter so you cant read it??? It also says refer to Carey v HSBC(no requirement to send photocopy of original agreement) they will not be entering into further correspondence with me

hi there very useful info thanks, know thread is quite old now but have had the same rubbish sent through by cap1!!!! have sent letter shown above but in addition have had a photocopied sheet of paper with heading credit agreement reg by cca 1974 saying this agreement between ......(name) of.......(address)and a letter from cap1 saying that they are currently in the process of retrieving a copy of my current agreement and will send it shortly!!! A statement s78 is also enclosed and set out at end of letter!!!they also say they will not be entering into anymore correspondence regarding provision of copy agreements and agreement is enforceable??????They also say to look at Carey v HSBC (2009) 3417(QB)??? Any help would be very much appreciated

thats the point danielr,they may not have a copy and will cut and paste it to cca!!thats why i am so unsure what to do

i have done a digital signature but am wondering whether to send or not???? I think i will go round in circles with cap1 if i dont??? Any advice???

can anyone plz help?? have cap1 credit card and sent 3 letters requesting CCA.More than 30 day s elapsed in time and still they keep writing to request a signature(which i have been advised not to give!!!) Is debt now unenforcable???? shall i proceed with next stage??? Any help would be really appreciated