at least if I have the template its a start, I could ask for it and if they dont provide it do I have a case to stop paying it? I am not flush dont get me wrong, with 4 kids and a stupid mortgage its not going to get any easier. just feeling crap about the whole situation.

The balances are up to date. and what about them demanding that I increase my payments and fill out and I&E Form? I feel like I am on the back foot? how to I ask for a CCA?

I took them in Sept 2004 (approx) and no I dont, not sure if It would open a can of worms. and not entirely sure how either to be honest.

Hello and thank you for reading my post I set the arrangement up direct with Blair Oliver & Scott after a few threatenting letter came in the letterbox. Put the fear of god into me. Have to admit the plans have been running 12 months now. x:cry:

hello all, I am reading this thread and could so with some help and advice on Blair Oliver and Scott, I am paying them £100 per month direct from my bank card (they have my card details) which is an agreement to pay off my 2 credit cards with Halifax. I owe £1590 on one and £324 on another. I called them yesterday as I received a statement from halifax and was concerned about it, at that point they started ranting about reviewing my account, I had to pay more money per month, the chap on the other end of the phone said he would be in deep trouble if he didnt tell me that it needed reviewing. Then he threatened to take me to court for non payment of my minimum payment, which is utter trot as I have not missed one payment since I set the agreement up a year ago. All this because I called about a statement I received. I am worried and very concerned about all of this - can anyone help me please?