Hello everyone, this is a great site and I’ve learnt a lot from the forum posts. I am not very computer savvy so please forgive me if I am in the wrong section & advise me where I should be posting this. I have uploaded some of the letters which may help. I am hoping you may be able to give me some advice regarding my HBOS / Derby County (don’t laugh) credit card account which I opened in 1999. I will try to be as brief as I can. I got into trouble (messy divorce) and was left with over £20,000 debt and 2 beautiful little girls. Over the years most creditors have been pretty good and I have worked hard to clear my debts. I was paying £35 a month and owed £4060, I requested a CCA in November 2009 and received a letter in December 2009 enclosing a copy of my current T&Cs & a copy of my application form which has my signature although I actually dated it 1998 by mistake (I’m pretty certain this sheet was on its own when I signed up at Derby’s old baseball Ground Stadium as I remember doing it) The T&Cs are reconstituted ones on 4 separate sheets. I wasn’t too sure of my next move so paid my £35 a month until mid 2010 and decided to SAR BOS (recorded delivery) to see if they had more CCA info etc... After the SAR request, Reminder & LBA I heard nothing... Until end of September when I received a letter telling me they had refunded £193.56 which would come off my balance leaving £3,569 but they did not agree with my complaint. 21/01/2011 received letter from ICO who decided that it’s unlikely BOS have complied with the requirements of the DPA. They lied about trying to contact me (see attached scan) I hadn’t heard from BOS since September 2010 and then on 24 March 2011 I have received the usual credit card statement. I am hoping you good people can tell me if you thing the CCA is unenforceable and why you think they haven’t responded to my SAR request but just refunded a small amount of my balance. If it is unenforceable then great but what’s my next move? Reclaim the charges? To be honest I would be happy if they just removed the default account from the credit file as I defaulted in August 2008 so it will be on there for a few more years. Well thanks everyone for reading and please help me if you can. Mike