Does anyone have a template to use regarding the approved limit and are there other faults ? The ppi my mum doesn't remember ticking and as she is self employed with heart problems it'd be hopeless anyway. Thanks M1

Please help. Looking for advice on cca from mbna regarding enforcability. Thanks M1

I'm in Scotland so can't use that but i can sar which i assume is the best thing to do next ?? Thanks M1

Thanks for the welcome It was a c/c (mastercard) from around 2000. My name and address have been blacked out and the only thing i didn't post was a copy of my latest statement. The images are tl = letter lcc = supposed agreement ltc = terms and conditions Thanks M1

I have cca'd Lloydstsb mastercard and recieved these documents and a current statement. Letter http://i574.photobucket.com/albums/ss185/henrik777_photo/tl1.jpg http://i574.photobucket.com/albums/ss185/henrik777_photo/tl2.jpg http://i574.photobucket.com/albums/ss185/henrik777_photo/tl3.jpg Agreement ? http://i574.photobucket.com/albums/ss185/henrik777_photo/lcc1.jpg http://i574.photobucket.com/albums/ss185/henrik777_photo/lcc2.jpg http://i574.photobucket.com/albums/ss185/henrik777_photo/lcc3.jpg http://i574.photobucket.com/albums/ss185/henrik777_photo/lcc4.jpg http://i574.photobucket.com/albums/ss185/henrik777_photo/lcc5.jpg http://i574.photobucket.com/albums/ss185/henrik777_photo/lcc6.jpg http://i574.photobucket.com/albums/ss185/henrik777_photo/lcc7.jpg T&C http://i574.photobucket.com/albums/ss185/henrik777_photo/ltc1.jpg http://i574.photobucket.com/albums/ss185/henrik777_photo/ltc2.jpg http://i574.photobucket.com/albums/ss185/henrik777_photo/ltc3.jpg http://i574.photobucket.com/albums/ss185/henrik777_photo/ltc4.jpg http://i574.photobucket.com/albums/ss185/henrik777_photo/ltc5.jpg http://i574.photobucket.com/albums/ss185/henrik777_photo/ltc6.jpg What is the way forward please oh wise ones :grin: Many thanks M1