Thanks Sam, will send that one. Most of the cards go way back, in fact two of the barclaycard terms and conditions they sent had 1992 and 1993 stamped on the back. BF

Good Afternoon! About 4 weeks ago, I sent the standard CCA request letter from this forum to Barclaycard (more than one card), MBNA (more than one card), and Capital One. So far I've received nothing from MBNA or Capital One and only Terms and Conditions from the Barclaycard cards, except for one Barclaycard which was a Goldfish card, where I havent received anything. Is it likely that none of them have the CCA, or are they just being obtuse, and what should my next step be now? Also, should I start seperate threads for each and every card, ready for the upcoming battle? Many thanks Basil

Thats excellent! Thank you both for the quick replies! I thought there might be something already on here, but I obviously need to practice my search technique! Cheers BF

Is there a thread on here (cant find anything) that show the addresses of the credit card companies to send the request CCA letter to, or do we send them to the postal addresses shown on the back of the credit card bills, eg., Capital One Bank, PO box 1000,Camberley, GU15 32Q. I have others to send such as: Barclaycard and MBNA. Thanks in advance BF

Thanks Ida and Wino, that gives me a start. That letter will be in the post tomorrow One question before I start. When I follow this through, what is the worst that can happen at the bitter end? If they take me to court, and the judge rules in their favour, what happens? Would I have the chance to take out a payment plan such as a DMP? Would I have CCJs? Could I be made bankrupt? All my debts are unsecured credit cards. I have a mortgage, but no problems paying this. (mortgage is in joint names with wife) Tks again.

Hi just joined today, and would like some advice about CCA requests. I'm completely new to this, and very overwhelmed! Please can someone point me in the right direction. I've been browsing quite a few threads but not sure where exactly to start. Is there a thread that will show me what to do from day 1? What is the very first thing to do, is it sending a letter requesting the CCA, and do I stop sending them any payments, or do I send them £1 every month instead? What exactly does the letter look like? As you can see, I'm pretty confused at the moment, and any advice will be appreciated. I will start a thread for each of the cards I will be taking on (there are about half a dozen), so hopefully my experiences can help others. Thanks in advance. BF