Hi, I have just been reading through previous threads regarding the above. My husband took out a credit card with HFC in Feb 96, I'm not sure (nor is he) when he fell into arrears with them (we have only been together 3 years), but I think he was paying it off with other creditors through an IVA. He stopped paying this 3 years ago when he moved in with me. Several creditors tried their luck and failed to produce original agreements when asked. However, TBI had got hold of 2 debts. 1 for around £2500 and the other £10,000. The smaller debt they managed to quickly get a charging order against the property that he was selling and was therefore paid off. Rippon Patel & French (a nasty piece of work!) now act on behalf of TBI in trying to reclaim the other debt . They sent a court order first, this was never received as it was sent to an old address. Then they issued a statutory demand which they managed to send to our new address. They were threatening bankruptcy preceedings. CAB advised, ignore it until they do. Well, they have now. What I need to know is: The original application from that my husband completed was never signed at the bottom on behalf of Beneficial Bank. There are no terms and conditions, APR rates or anything else. This is actually just the application form and not the credit agreement, although it does state above his signature that 'this is a credit agreement etc etc'. This is a very old debt so I asked RPF for copies of the transactions that created this debt. They stated that 'all transactions under the Agreement, you will have been furnished with such an account via a regular statement of account provided as a matter of course to all account customers. We suggest you check your records for the same'. I feel that this is unreasonable! I intend to contest this bankruptcy petition (the hearing is on 14th December). Any advice would be really appreciated!