Hi All, I've been paying Arden Credit Management for a few months now (after Moorcroft passed the debt on to them). This was in relation to a Lombard Direct loan. I've not been missing payments, but I get a letter every month, stating: "We wrote to you recently to advise that payments are not being received in line with our request for you to commence repayment of the remaining balance. We now require payment from you." I've paid by the due date and every time, I've requested the authorisation number for the payment. I've seen in another thread that Lombard have ceased giving out loans. They do, however, send me a statement once a year and notified me in writing that Arden were taking over the administration of my account. I am currently paying them £15 per month, although I'm on JSA. I'm going to phone them - I know everyone says don't, but I'm confident enough to do so - and inform them that the account is up-to-date and they should stop wasting their time, as I have proof of all payments. I will then offer them a new repayment plan of £5 a month. If they refuse, this will be reduced to £2 a month and then put in writing. If they don't want to accept it, that's their tough luck. My question, however, is this: If Lombard have ceased trading (as stated by Cerberusalert in another thread) then presumably the debt has been bought by Arden. Is it worthwhile me sending a CCA request if they refuse my payment offers? I'm not trying to avoid paying, just trying to fight incompetent bullies, using their own tactics - I want to legitimately clear any debt owed, but I cannot afford to do it on their terms. If the worst comes to the worst, I own no property, have no appreciable assets, no savings and my only income is JSA, so if they wanted to take me to court, my response would be, "Go on, then." I have nothing to lose, but would a CCA request be a waste of time and what little money I do have? Any advice gratefully received. Thanks

please can someone help me i have read on here something about credit card agreements taken out before 2007 do you need to have a copy of you agreement i dont or can you ask the card company to send you one also how do you know if the agreement is enforcable i am really sorry if this as been asked and answered before but any replies would be very welcome thankyou