Sometime, in February, I sent a CCA letter to our friends as above. They have sent me 1 signed copy of the agreement of a creditor but not the other. I have been making regular payments to them for near 12 months now. Can I now stop making payments to them in respect of the other creditor and ask them to make good any default history on my Credit File and thus the debt is not enforceable. I have the original reply from them from August 2006 asking me to 'bear with them' when I originally asked for the copy of the agreement. As you will note, they are well outside the 12+30 day period. I am happy to send them a recorded delivery letter to confirm that they cannot enforce any further on the 2nd debt. I only found this site today and all assistance will be appreciated in terms of what reply I should send. Thanks

Thanks Shane5408 and Patrickq1. Where can I find the Library....Any links? Rgds Nadeem

Hi Everyone, I have an account with Wescot, that I have an arrangement on. To check my understanding, I should write to them under the CCA requesting the original signed copy from HFC to prove the debt. My question is that whilst I have been making payments to them for over 12 mths, if they cannot(and HFC) provide the documentary evidence, within the time frames required under Law, I am able to stop such payments and refuse to acknowledge this debt? All advice is welcome and thanks in advance.