The advice I need is that I am now £7,000 in debt and need help. My Halifax credit card was signed by me on 04/08/07. Halifax did not countersign the app form. Is this still enforceable? Vanquis credit card cannot provide me with a signed cca. Would I be able to have this deemed as unenforceable? Help desperately needed

I have now received a copy of the orignal agreement I signed when I took out a Halifax credit card. This has not been signed by Halifax and the date I signed it was 04/08/2007. I'm now getting a bit nervous about this whole process. Is there anyone on this forum who can advise me? Also would love to hear from anyone who has sucessfully had their debt deemed unforceable. Thanks

Hi, I am new to this forum and would like some help! Using template letters I have found on this website I have requested the CCA from Vanquis and Halifax. This was on 16th March sent by recorded delivery. I have heard nothing from Halifax so have sent a follow up letter. Vanquis have today sent me a blank application form with no info on it whatsoever, no name address, signature or anything. What happens next? Also if this debt is deemed unenforceable, do I get confirmation in writing? Also if possible could I have some feedback from people who have sucessfully had agreements deemed unenforceable and how long did the whole process take? Thanks in advance