After reading lots of useful info on here I have decided to get on top of my debts.
Been paying Payplan since 2007. but have decided to take control. I have decided to CCA all my creditors. I have just received this from AMEX. I don't think it complies.
However Amex say "these documents for the executed agreement between you and American Express". I'm not so sure?
My ultimate aim is to offer one F&F offer to all creditor, If I can prove they haven't got a hope of getting judgement, the offer will be lower.
One final point I now live in France and they know this.