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Now this may seem like a silly question and I may have got this totally wrong. Having read several threads on this forum it seems like there are two types of CCA replies for unsecured credit card debt. One seems to relate to post 2006/2007 CCA's and the other to pre 2006 CCA's. For the pre 2006 agreements it would appear that only a genuine exact copy of a signed CCA is sufficent for the creditor to be able to enforce the agreement. However for a post 2006/2007 agreement it would seem that an unsigned generic agreement will suffice. Is this correct or have I got it entirely wrong? Would a forum expert or two (or more) please take the time to tell me what to expect from a CCA request. I have several credit cards all either year 2000 or earlier. What would any creditor be required by law to provide me with in order to fully satisfy any CCA request made by me? I'm somewhat confused, as it seems that different posters have different opinions. Some say no signed agreement means that the agreement can't be enforced. whilst others disagree and say otherwise. Please forgive me if this question has already been asked, and thank you for taking the time to read this opening post. I look forward to your replies.