I wrote to cap 1, M and S, and MBNA, requesting the signed cca. M and S wrote back saying they could not prove who I was as I had not signed the request letter. I already have a reply organised for them. Capial one sent me an unsigned copy of their terms and conditions. Which is the best reply for this one?
Finaly, the most confusing is that mbna have not replied at all and a reply is now well overdue. I repay them over £300 a month so should I stop, and if so should I tell them why first, and in writing? The original letter I sent was by registered. Indeed should I stop paying all of them.