Hello there, this is an update of my original debt management thread.   HSBC loan taken out pre 2007 Defaulted 2009 (credit file clear)   02/2018 CCA request sent to Idem Idem acknowledge copy of agreement is no longer available and are aware that they are unable to enforce litigation action on this account.   07/2018 Idem have replied with a new letter. We have now complied with your CCA request and enclose a copy of the executed agreement. Just a print out of terms and condi