Hi Debbs / Kirsun, (Hi Sunnydee its another sleepless night! just lost my job over these sleepless nights so i know how it feels) Interim charging order in Norwich court around 19 days time and 100 miles from where i live, stopped all payments for the whole disputed amount in 2008 ( no crime number could be from given by poilce because lack of details supplied by Citi, only name of company and area on account statement no other details were sent in writing) But why are Morgans / Cabot writing back confirming that they will go to the bother of supplying a copy of a cca i took out in 2002 in what form i can only still guess, when they have put in writing they have no legal obligation to do so, or is it all hot air and are the still legaly obliged to do so under the 1974 agreement, i know the amended 2006 will not stand ( scheldue 3 - s11 cca 2006, prevents s15 repealing s127 (3) of the 1974 act for agreements made before s15 came into affect) Since the agreement would have commenced prior to the inception of the cca 2006, section 15 of the 2006 act has no affect and the cca 1974 is the relavant in this case. Spoke to Morgans today, letter of court date was sent BUT they told me it was sent back NOT KNOWN AT THIS ADDRESS!