Hi steven4064, I'll scan in all my correspondents tomorrow at work (I’ve got 10 agreements on the go between my girlfriend and myself). With HSBC they sent me a photocopy of an unsigned agreement. I’m playing it as safe as I can and sent them a letter back saying I need a copy of the original signed agreement. Regardless of this they still feel they have complied. Even the agreement they did send is unenforceable because they have not stated the amount of credit. I am at the juncture where I don’t know how to proceed. They do not have a signed agreement therefore they can’t enforce the debt. I was thinking the next letter should be a letter on notification that I’m ceasing payment. Thanks again, agbear

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Thank you to everyone in this thread. Using this information I have Identified an unenforable agreement with HSBC. They fell at the first hurdle by not providing the original signed copy. I have sent them 3 letters to-date and I'm in the final stages. What's next? Do I need to send them a notification letter stating that I am going to stop the payments. They have not said they will write off the debt as they feel they have complied. Will this effect my credit history? It's taken me a long time to get a good rating so I don't want to ruin it. Thanks again.