Hi, not sure if I am in the right place but AIC have been chasing me for a while and I found this site in November 2008. On 4th November I wrote to them asking for a copy of the Credit agreement using the template found on this site. I enclosed a £1 postal order and the letter was sent recorded delivery which I tracked and it was delivered. I had no reply from them (but many phone calls) On Dec 7th I sent them the follow up letter (recorded delivery) again the template I found on this site. I also wrote to them asking them not to contact me by phone (recorded delivery again) but in writing only they still regularly ring my daughter. Today(14th Jan) I received a letter from Tesco, dated 8th January, saying that they received my letter dated 4th Nov on 10 December enclosing a copy of the said agreement. This is way outside the 12 days and 30 days required by law for their reply. What do I do now - can anyone help please? By the way I live abroad and have no property in the UK I do not work and exist on a small pension.