Thank you for your advice, I've done as you suggested, scanned my credit agreement and attached to this email, if anyone has the knowledge to comment on the validity of this credit agreement signed in 1999. It would be appreciated. Subsequent to receving this old cca I have now had a further letter from the card provider and attached to it a copy of current terms and conditions, is this further evidence that they don't hold a current cca?

Thats very helpful, i shall follow your instructions and make the scanned copy available shortly.Thank you.

hi All, I have just joined the forum after visiting other money related websites which recommend this site. I have a number of credit cards which I have had for a number of years and have maintained the payments in good but not absolutely perfect order. as the APR's continue to rise, I feel that the chances of paying them off is being taken further away, especially with all the take-overs with goldfish and MSDW. so I sent a CCA request to one of my creditors to see what response i got... I have received a response (within the due period), and a copy of a signed application form which I completed in September 1999, it does bear the words: 'credit agreement regulated by the consumer credit act 1974' across the top. my questions are: how to check whether this is an enforceable agreement? is there a place on the net with the important criteria listed? where do I go next? thanks everybody and good luck, I have spent hours reading your other threads today.