So do you recommend I go back to them with account in dispute letter until the correct agreement is sent, I'll know when it does as I have a copy. I thought it was enforceable originally as the card was taken out after a change in ruling on reconstituted credit agreements around September 2007ish, maybe I've shot myself in the foot for the OH. I'm open to dragging this one out!!!
and are the templates she WOULD have gotten if she'd signed up with newday in the 1st place
however she didn't
should be from HBOS nd it most certainly NOT what they used as you'll see on here if you look for HBOS aqua card sign ups from other threads here
sorry who ever told you that was enforceable wants shooting
another clue is progressive credit, they never ever handled anything bar lemon debts.
she should have stopped paying 8yrs ago.
all she's done is pay for their drinks and holidays on the free money she has been giving them
cash cowed blind