Oh, I see. It's 2 separate pages stapled together... Hence why I thought it was a single document...?

correct, pages 4 & 5 are a single document, the credit card application form with signature and date...

Amex have sent through "Original Application Form and Terms and Conditions, which form the Executed Agreement"... not sure if that does form the signed CCA? They've also sent through a letter from Sep 2011: "We are writing to tell you about some changes we're making to your Credit Card Account Agreement, which will take effect from 22 November 2011". This also does NOT form a CCA.... Amex CCA Response 28Sep22 _Redacted Optimized.pdf Ok figured out how to optimise the pdf... here is a single document.. thank you this is what I will do going forward! Repeating here to make it easier: They have sent through documents but not sure these are a signed CCA: "Original Application Form and Terms and Conditions, which form the Executed Agreement" A letter from Sep 2011: "We are writing to tell you about some changes we're making to your Credit Card Account Agreement, which will take effect from 22 November 2011" Appreciate your help as always..

Unfortunately, received a letter from Link Financial saying they have found the agreement - wanted to check here if this is the agreement, and if so, what should be my next steps? Do I have to settle this amount? What looks like the signed CCA... and some more legalese with the CCA.... CCA return.pdf

Got a SAR package from Barclays, which shows a few letters: - Apr 2011, O/D issued with £8,000 limit - May 2011 limit increased to £13,000, - 30 Aug 2012 a notice that o/d has gone over its limit by £144.73 to £13144.73, and - 17 Sep 2012 a notice of termination with £13,433.09 balance There was no PPI on the account, and bank statements for the three year duration of the account. Not sure what I could do with this information?? Would appreciate any input into this please - of course the token payment is cancelled so expect some communication in the next few weeks on that front as well...

MBNA response 20 Sep 22_Redacted.pdf Now that's a clear win vs 9 years of stress over 7k with MBNA whew!! Link Financial responded with: "Unfortunately, the original creditor has confirmed that they are currently unable to complete with your request within the 12-day initial timeframe. Although the account is currently unenforceable the outstanding balance remains collectable and it is acceptable for creditors to register and continue the reporting of a default." Default meh... been there done that. Thank you thank you thank you universe, and everyone who has helped me here at CAG.

RBS Response 13 Sep 22_Redacted.pdf Received a proof of address request from RBS re managed loan (loans + o/d) on 13th Sep 22, and this paragraph is a tad confusing: We will require a scanned / photo copy of one of the documents from the table below. You can send this to us using email address [email protected]. Once completed, please send the copy back to us and we will proceed with your request. Is it ok to email, or should I be sending through via post with proof of posting just to be sure? Also, what do they mean once completed please send a copy back to us... I assume they just mean email.. not resend the entire SAR? Thanks for your help in advance!

Gmail - Fwd- RIGHT OF ACCESS REQUEST_Redacted.pdf So I received this email from HSBC dated 16 Sep 22, they have acknowledged the SAR and something seems to be happening... keeping fingers crossed on this managed loan, approx £12k. Thanks so much in advance!

Cabot Response Halifax 7 Sep 22_Redacted.pdf Just received a letter from Cabot dated 7 Sep (attached), saying they do not have relevant information on file but will be requesting a copy of the credit agreement from the original lender, this may take some time but they will write to me within the next 12 days with an update. I had sent CCA Fri 2 Sep 22, and the 12+2 days expire on Fri 23 Sep 22. I believe this means they have gone past the deadline and not produced a credit agreement, hence their claim is not valid anymore. This one is a much smaller amount £289.41 so I guess their response would be different? Thanks so much for your help as always!!

wow, alright looking forward to the fun then!

Cabot Response 14 Sep 22_Redacted.pdf Just received a letter from Cabot dated 14 Sep (attached), saying they do not have relevant information on file but will be requesting a copy of the credit agreement from the original lender, this may take some time but they will write to me within the next 12 days with an update. I had sent CCA Fri 2 Sep 22, and the 12+2 days expire on Fri 23 Sep 22. I believe this means they have gone past the deadline and not produced a credit agreement, hence their claim is not valid anymore. Is the 12+2 days based on the date of their letter, or the date I receive information?? Could I please confirm if my understanding is correct? Thanks so much for your help as always!!

ok, noted for future. thanks so much for your help DX (and everyone else). I've done today what I've been sitting on for almost a decade soooo this is huge. thank you !!

Cancelled token payment and sent through a CCA to Lowell today...

Cancelled token payment and sent through a CCA to Cabot today...

Cancelled token payment and sent through a CCA to Link Financial today...