I've only recently come across this issue of enforceable CCA's and have read through many of the threads, however I've not found one similar to my case. My original Associates gold card was taken out circa 1996. I went into default on this card in roughly 2001 following the break up of my marriage. After a protracted period of chasing, during which the debt holders became citicard, and eventually Hillesden Securities, I eventually 'earned' a CCJ for the outstanding debt of £9,300., the the DCA, Direct Legal & Collections. The date of the CCJ would be approximately July 2006. At the time I had very low income and the court allowed me a repayment of £30 per month. I've paid this on and off since then, but have now come across this site and its advice. I can see that the first action is to request the CCA from DLC, but my question was how does the CCJ affect my case. If DLC cannot provide a copy of the CCA with the correct T&C's, does that invalidate their case irrespective of the CCJ? Many thanks for an amazing site!