Cannot seem to understand where iam at and could really do with help please - can someone hold our hand. We have been challenging our credit card debts and sent off CCA from the site giving the 12 plus 2 days. Off five firms three replied two did not. My query is i cannot seem to find a clear definition of next course of action. In summary Egg responded with a signed Credit agreement IF responded with a signed Credit agreement Bank of scotland responded with a credit agreement Morgan stanley (Now Barclaycard) But handed to a debt collect agent - see below - No response Barclaycard - simply sent terms and conditions Still getting threatening letters from the two that didnt reply and one of them has handed it over to a debt collection agent - to whom we sent the CCA to. They replied saying that they had handed the debt back to Barclaycard. We have now been contacted by a different Debt collection agency? Any help would be great please.