Cheers

Great, thanks. What you suggest I do next, write back explaining that these aren't the terms and as such they haven't complied or just ignore them from now on?

Reply from DLC attached as requested. The debt shows on my CRA as Hillesden but I've been dealing with DLC. The address on the signed form is my old one, but the one on the terms is my existing one. APR on the signed form is 15.9% but 23.9% on the terms. Also, the default charges on the terms are £12 even though the original form is from 2002. The enclosed terms clearly aren't those applicable at the time that I signed. Any suggestions as what to do next gratefully received. Thanks

Will do. Thanks for your help.

Sorry, I've only just seen this reply. The document with my signature looks like the bottom section of a form. It does say credit agreement across the top and where my signature is it says "This is a credit agreement regulated by the Consumer Credit Act 1974(?)" Are you saying that it's not enough for them to enforce?

Thanks for that, that's what I was thinking. I've definitely got no PPI but I haven't checked for penalty charges. Do I need to SAR them for that?

I currently have 3 credit card debts which have been defaulted and are now with DCA's and have been paying them off to varying degrees for 5 ish years. I'm in the position where I can offer reasonable Full and final settlements, so decided to send CCA requests to them all to hopefully help me with the negotiation. Moorcroft initially wrote back saying that they had suspended the account whist they found the terms and that I didn't need to pay. This is a Halifax card that was taken out in 2004 and defaulted in April 2010. MY CRA shows it as settled with Halifax in June 2014 and now shows as Cabot with the same default date. Now I've had a response back from Moorcroft who have sent 2 reconstituted(?) CCA's, one for my previous and one for my current address. Neither are signed or dated or have anywhere to sign or date. They also both state that "we will decide your credit limit and tell you what it is". i.e. no credit limit They've also included the letter from Halifax which states that "a copy of their signed application form will be sent under separate cover". Now they are saying that they've complied with my request and I need to pay. My query is, am I right in thinking that because it's pre 2007, I can go back to them and say that it's unenforceable until such time as they produce a signed and dated CCA and also because there's no credit limit? Or do nothing on the same basis? The plan being to hold out and then start the f&f process. Any advice would be appreciated.

Also, the signed terms are addressed to my old address. I've been in my current house since May 2005.

I currently have 3 credit card debts which have been defaulted and are now with DCA's and have been paying them off to varying degrees for 5 ish years. I'm in the position where I can offer reasonable full and final settlements, so decided to send CCA requests to them all to hopefully help me with the negotiation. None of them replied within the 30 days so I stopped paying. I'm not trying to avoid paying, just negotiate a reasonable figure. I've had a response back from DLC re an MBNA card I took out in November 2002 ( I have 2 with them). This card is showing on my credit file as defaulted in June 2010 with a balance of £11239. The current balance is £6139. They've actually sent me a CCA which is signed and dated by me from 2002. The form is signed on the front and the terms on the back, it's a cheque book sized form. They've also included what looks to be reconstituted terms which is 7 pages long but not signed. The signed form seems to have all of the prescribed terms, so may have made my situation worse rather than better. I've ticked the "no PPI box". My query is, the signed document states 15.9% APR but the other version states 23.9%, does this make any difference? I haven't sent an SAR so don't know what I was charged.. They're obviously asking me how I intend to clear it, which I haven't responded to yet. I'll try and pay the £25 per month I was paying before although they've got a stronger case now. Any advice would be appreciated.