Silverfox Thankyou so much for looking at this. The copy they sent is no more legible than the posting but I can see that there are no details about APR, credit limit or repayment terms on the signature page, nor does it refer to a seperate page. Is my next stage to write back asking htem to send a legible copy and one for an actual agreement rather than an application form?

Still waiting for someone to have a look at this for me.....HELP

Can anyone help? What should I be looking for to check whether this is enforceable?

I sent a s77/s78 to M&S on the 6th Feb and on the 5th MArch they sent a letter back stating that they had enclosed a copy of the original application form and the relevant t&cs. Strangely it also says that they have signed a copy of my current monthly statement outlining the outstanding balance. Attached was a recent statement of transactions stamped and signed by M&S, a photocopy of an application form signed by me, a seperate photocopy of terms that seems to go with the signed application then a T&C document from September 2008 which is 5 pages long. As there is a signed application from me with T&Cs is this inforceable and what do I do next if it isn't.

Wrote to Crap One on the 6th Feb 09 asking for a true copy of the credit agreement pursuant to s.77/78 of the CCA 1974. Got the usual letter from Ellie Renshaw with no copy of original agreement as per other posters. Wrote again on the 25th Feb Headed Disputed Status stating that I believed they had failed to fulfil their requirements under CCA therefore account is legally in Dispute etc etc 5th March Ellie writes back restating s78 stating that they've provided a copy of the original agreement with personal details including signature omitted as permitted under section 3 CCR 1983. She goes on to state that they do not consider the account to be in dispute and they will strongly defend any claim that they do not have a valid and enforceable credit agreement. They will continue to pursue the outstanding debt etc etc then a statement that this will be the last response in relation to this matter. I do have the option to contact the Ombudsman though. 17th March letter recieved from FPC Debt Collection Services demanding payment followed by phonecall on the 24th MArch telling me they'll issue court proceedings if I don't pay. Help. What do I do next and how do I handle the Debt Collectors?