Hi Guys, I sent a letter requesting a CPR 31.14 from Restons solicitors. This is the reply I got can someone please help me as to how I should respond? Thanks

I have recently asked Barclays for CCA They have send me the copy of without a signature and said in the letter In response to your recent request, we are pleased to provide you with the copy of your credit agreement and a financial statement. Section 77 and 78 of the consumer Credit Act 1974(amended) do not require Barclays Bank to provide you with a signed original form of the credit agreement and according with the Act It is not the policy of Barclays Bank to provide this. Any advise or suggestion

Ace/dcs/cca

Morning Sorry for the "hand holding" request - I'm new to all this. I'm 10 months in to a DMP, largest creditor being Barclaycard (this was an Egg card taken out in approx. 2001/2002). Agreed payment plan would mean debt is repaid in 6 yrs if no interest charged. Despite several requests Bcard will not freeze interest, or default me, but show AP on Credit File. I'm paying too much each month as a percentage of the debt for them to do this apparently. Under the terms of my DMP, I can't drop the payment to them as total monthly debt repayment has to be distributed fairly between 3 other creditors. I was thinking I would send bcard a CCA request but not sure what this would mean if they don't have one - would this give me more leverage with them to demand interest is frozen? Or, if they do have one, would they then get more forceful and demand more / CCJ me? Any thoughts would be really welcome. Thanks

Hi, I know there is a Vodaphone rep that frequents these forums so if they or anyone else could clarify something for me please. My friend has an iPhone on contract with Vodaphone and has requested a code to make it sim free. He was told by an advisor that they cannot issue a code as he got the phone and contract through Phones4U. As they have gone bust what is he supposed to do now, surely it doesn't matter where he got the phone from, his contract is with Vodaphone and it is currently locked to their network. Any advice please. Thanks.

Hi Guys Will put the Vodafone Ref Shortly. Have a contract with Vodafone. One of the lines was recently taken out and a Galaxy Note 4 was supplied with a number that ive later found out was a recycled number. I got my bill today and ive been charged £19.99 for a unlock code I haven't requested. The IMEI number given was an Iphone, I later found out this was the previous account holder to that number. CS gave me the name of the person who did this... Mohammed (The previous account holder) I have a question. Vodafone says if the details dont match then they wont process the order. They say it was done very recently. With that in mind, why was I charged? Why did you process this? Why did you give me the name of the Person who did this? This account was cancelled almost 3 months ago and your careless has breached the Data Protection Act...

Can a company who have purchased a debt continue with court action if they cannot produce a copy of the agreement for credit card, when requested under cca. They admitted that they did not have it yet still went through with the court claim and got judgement by default.

Hi Guys Could someone please set up an announcement regarding emails received by Lowell last night? I would like to see how many people were affected. If they could please let me know the would be great. Quote Lowell "We were attacked last night and out IT team switched off the exchange server to prevent other emails being sent. We have not been able to confirm numbers of people affected and if any data was compromised. If you have been affected please contact Lowell directly and they will put you in contact with their IT team who will endeavour to help you remove the virus if you have opened the affected attachment"

After receiving court papers for an alledged debt, i sent off the acknowledgement slip back to the court and a cpr 31 to the solicitors dealing with it - they received it on the 14th and i`ve had no reply. What is the next step? Thanks in advance

Hi All I am in the process of trying to claim back PPI paid on a HSBC card that we have had since 1998! we always thought that this was a condition of the card as we never took out PPI on anything due to either being self employed or we did have a spell running pubs as management couple but would of had to cover for each other or take on extra staff if we were ill so we know for a fact that we never took this out willingly. all this really only came to light last year as our card is paid automatically via direct debit each month but then we started getting calls from HSBC asking for additional payments. I told them that I could not understand how the account was going over the limit as they take the min payment each month and so this shouldn't happen. It was then that they explained that an insurance policy was being debited each month as an expense and it was this that was causing the account to go over each month! I then realised that it was in fact PPI that was being taken from the account and explained this to them and the fact that we would never of taken out PPI at all due to the reasons mentioned before. Then I heard all this stuff on the radio and so made the big mistake of contacting the company xxxxxxxxx who started to to reclaim it for me. After a few months they had a response from HSBC and said that my only other action was to go to the FOS. I told them to leave it and that I didn't want them to go any further. Now I have copied the letter that HSBC sent them below and I really don;t think they have a good enough reason for turning down the claim as they just say that we should of cancelled etc and also they don;t even have the original agreement to prove that we signed for it!!!!! I also wrote to HSBC on 27th Feb 2013 and a copy is below but they have not replied to my letter at all. Yesterday I filled in the FOS PPi complaints form and that has gone off to the FOS and I have also sent a SAR request to HSBC today so that I have all the figures charged etc since 1998. I think I have done everything I need to do and now assume I have to just wait for the FOS to get in touch? When I do some rough calculations with advice from other posts in regard to interest to claim etc this cold be a very large claim if I win it and I'm hoping it will then allow me to clear of numerous debts that I am struggling with at the money so me and my hubby can start again. If anyone can advise or are in a similar situation would love some encouragment as feel like I'm stepping into the unknown here. Thx

Following reading on here I wrote to Vanquis requesting under S77-79 of the CCA "... a true copy of the executed credit agreement relating to this account, together with any other documentation the Act requires you to provide ..." and a £1.00 fee was paid. I have recently received in response correspondence which appears identical that posted by other people on here, namely: 1. A 2 page cover letter stating they have provided what I've asked for, specifically " ... This information is provided in accordance with the Terms and Conditions of your account and according to the information which is practicable for Vanquis Bank to refer." 2. A 2 page Excel style compiled spreadsheet/report headed Digital Signature Application Details. 3. A 10 page document that appears to be the terms and conditions for a credit agreement, however, there are no headings, dates or references that would suggest to what or to whom it relates. Notable by their absence is anything resembling a signature, or dates attached to the terms or the report. Apologies for the lack of attachments but I don't have access to a scanner at the moment, however, I can confirm that the correspondence appears identical to what I've seen on here in previous posts. From what I understand, whatever they might believe, my request under S77-79 hasn't been complied with and as such they *shouldn't* progress matters until they can rectify this and provide my valid request. I appreciate that this doesn't stop them thinking they can continue to contact/chase over this matter, but the lack of documentation *should* put a stop to that. I'll have a read up on other people's posts later, but could someone give me a quick reply as to whether I'm seeing things correctly.

Hi Just a quick question about sending letter Right to information request. I know there is £1 fee how do i pay this £1 pound if its postal order is it payable to do company? Thanks in advance

Natwest Credit Card. This is a bit long. Sorry But im hoping it will allow more accurate constructive comments and help others in a similar boat. Information posted in Red Font is related to my SAR request. Account History compiled from documentation on hand. Account opened sometime in 2002 Earliest Statement found so far Oct 2002. Out of statements going back more than 6 years I have them all (or at least the transaction lists Temporary Repayment Plan agreed 06/08/2010 due to financial difficulties. This plan allowed me to get back within agreed credit limit. Plan lasted 6 months and was adhered to. FEB 2013 Explained situation (Off work Long term sick with stress and depression) Default Notice Issued March 2013 after missing quite a few payments. Balance at Default 3262.88 Account Terminated 02 April 2013 (Balance 3262.88) Account Passed to Triton 24 July 2013 Interest charged August 2013 Payment demand from Triton (Previous Balance + Interest Charged August 2013) Financial Statement sent offering token payment due to surviving on a deficit. (Family were supporting me) 18 Sep 13 Triton send letter saying Figures do not make sense. 18 Oct 13 Triton say I Must phone them. Reply letter sent with another copy of the statement and reminded them of my depression and anxiety. Also stated that some of my other creditors had accepted the statement. 09 Dec 2013 Triton send me a copy of a letter they allegedly sent 09/Nov which I never received stating they wanted more information on how I could survive with a deficit of X per month 21 Jan 2014 - Threatagram from Green+Co Solicitors claiming I have not been in contact with Natwest/Triton. Reply sent with copies of correspondence and repeat offer of token payment and copy of financial statement. 13/03/14 Moocroft letter saying details passed to them from Natwest to act as collection agent. Replied with a request that they send me proof they have been asked by Natwest to act on their behalf. Reminded them that I sent them copies of my financial statement and also I could not accept phone calls or visits due to my depression and anxiety. 19/03/14 Moorcroft template letter - acknowledging query and suspension 24/03/14 Moorcroft letter - Account placed on hold till 20/4/14. Told that Natwest had advised me that the account had been transferred. (untrue) Replied with CCA request and requested authority/deed of assignment. £1 fee sent as cheque made out on my behalf. Gave them 30 days instead of 12+2 (im still learning at this point. Now I know better) 27/03/14 SAR Request sent to NATWEST for list of defaults charges and late payment etc. Fee sent. 25/04/14 NatWest - Letter saying personal information out of date. On their template they say they need a copy of my signature. I Reply sent 28/04/14 Template, stating they do not require my signature and that they have sent personal information to my address etc etc. Sent copy of council tax bill and a previous letter they sent to me at this address. Also pointed out they had processed my data by forwarding it on to third parties etc. Told them I had now made a complaint to the information commissioner and expected them to fully comply with their obligations as data controller. Complaint Lodged with Information Commissioner via email with all relevant docs attached 28/04/2014. 02/04/14 Moorcroft Letter - Acknowledged CCA request - Returned cheque directed me to original lender. Reply sent 25/04 - Template CCA fail. Reminded them of their duties to refer CCA to creditor. Fee sent again. 28/04/14 Moorcroft Letter - We have not heard form you etc. I Checked delivery information from royal mail and concluded that this was a cross post. Ignored 30/04/14 Moorcroft Letter - Same as 02/04/14 and fee returned. Replying tomorrow 06/04/14 with Account in Dispute template letter and Section 10 Notice. 06/04/14 complaint lodged with FOS for non compliance of CCA request. -------------------------------------------------------------- Closing Balance - £3333.18 From statements and default notices I already have without the SAR Charges Levied £796.00 With Restitution interest applied @ 24.90% Claim = 3220.17 ADD interest payment applied after default notice and after they were told of financial problems of 70.30 Total work in progress = £3301.83 ------------------------------------------------------------ On this one I am tempted to go the court route without going to the FOS in regards to credit card charges. Aim would be to get the amount wiped plus costs incurred in doing so along with default markers removed etc (Am currently unemployed) I might have jumped the gun a bit with the complaints to IC and FOS regarding the SAR fail and fail to comply with CCA but we shall see. Other thing I noticed is that Natwest repeatedly altered my T+Cs such as the cash advance percentage and also the main purchase percentage interest rates. There was no forewarning on any of the statements I have preceding the rate jacking. In fact I never noticed until going through my statements. Despite having 80-90% of all paperwork im not seeing any seperate letters advising of a change in T+C's Im sure they have to give notice under the terms of Consumer Credit Act and draw your attention to your right to discontinue the agreement and pay off the balance at the preceding interest rate. If they failed to do this, do I have further options there? As in force them to return the interest charged above any original interest rate until they complied with notice of variation of terms and conditions. Hmm maybe I should redo the SAR and make it more general and include a CCA request. Thoughts?

Hi All, A good friend of mine linked me to a thread on this site regarding flight compensation for when a flight was significantly delayed. To give you the back story my girlfriend and I traveled to Denver last month on US Airways (November 2013) and was delayed 7 hours in London Heathrow due to a technical fault, because of the delay we missed our connecting flights and the airline put us up in a hotel for 6 hours before we could be put onto another plane to get to Denver. We arrived at our final destination 14 hours later than we were suppose to. While we were in the US i received an email where the airline mentioned it was giving us 2 vouchers for $600 as a gesture of good will because of the delay. I didn't respond to the mail because I thought I would deal with this after I got back to the UK. On the way back we found ourselves on another delayed flight (only 3 hours this time) and when we finally got back US Airways had manged to lose my suitcase (although to their credit they did get this back to me a day after I arrived in the UK). Understandably I don't want to use their airline ever again as the money I saved using that option was not worth the time I lost by everything that went wrong. I found a template and some information on money saving expert and contacted the airline using their template to request the €600 for each passenger. I received a response from them stating that they didn't have to pay any compensation because they did all necessary checks that they are required to do and that the problem was out of their control.The exact mail I sent to them with our personal info removed can be found here: - The response I received was this: - After reading your sticky thread about this I did notice the following was posted on the sticky, post number 5 - 1. Article 5(3) of Regulation (EC) No 261/2004 of the European Parliament and of the Council of 11 February 2004 establishing common rules on compensation and assistance to passengers in the event of denied boarding and of cancellation or long delay of flights, and repealing Regulation (EEC) No 295/91, must be interpreted as meaning that a technical problem in an aircraft which leads to the cancellation of a flight is not covered by the concept of ‘extraordinary circumstances’ within the meaning of that provision, unless that problem stems from events which, by their nature or origin, are not inherent in the normal exercise of the activity of the air carrier concerned and are beyond its actual control. The Convention for the Unification of Certain Rules for International Carriage by Air, concluded in Montreal on 28 May 1999, is not decisive for the interpretation of the grounds of exemption under Article 5(3) of Regulation No 261/2004. 2. The frequency of the technical problems experienced by an air carrier is not in itself a factor from which the presence or absence of ‘extraordinary circumstances’ within the meaning of Article 5(3) of Regulation No 261/2004 can be concluded. 3. The fact that an air carrier has complied with the minimum rules on maintenance of an aircraft cannot in itself suffice to establish that that carrier has taken ‘all reasonable measures’ within the meaning of Article 5(3) of Regulation No 261/2004 and, therefore, to relieve that carrier of its obligation to pay compensation provided for by Articles 5(1)© and 7(1) of that regulation The last part (listed as 3) suggests to me that they are still responsible to pay compensation, however I this is the first time I have ever had a possible legal problem and I wanted to make sure I understood what has been written correctly, and secondly ask if i can use the above quote, how do I need to reference it and is there a proper link to a page with this ruling that I can link to directly? Sorry to pester your board with stuff like this, however I figured the best course of action was to ask some guys in the know for advice before I responded to their email. Kind Regards, Matt

Hello Everyone Please accept my apology if this post is a bit lengthy. I'm on Credits Only JSA as I'm working part-time Mon to Fri. Recently, my JSA advisor had sent me to Mandatory Work Activity(MWA) when she learnt I was having holidays from work. She did that although she knew I did not fit the MWA selection criteria. The advisor, despite my objection, just handed me the referral letter to the MWA and said if I don't do it my NI credits will be stopped. Due to her pressure I complied and went and did the MWA for 4 weeks. When I completed the MWA and on my first meeting with my advisor, she handed me another letter for the work programme (WP) personal advisor interview. At that point I protested and said I already have a part-time Job which was staring again in 2 days and I'm not interested in going into the Work Programme. I also said that as far as I know the Work Programme is not mandatory for people on Credits only JSA. All that was ignored and the letter was handed to me. On further research, I was able to confirm that indeed I was exempted from the Work Programme. I have then lodged a formal complaint in which I questioned the reason for setting up a work programme advisor interview for me from the first place without my consent or even discussing it with me. I also indicated that as it was voluntary I had no legal obligation to attend that interview. However, after the interview date (which I did not attend) , I was called by the Jobcentre and told that they have now made another appointment for the Work Programme Interview and if I don't attend it then they will close my claim. I replied that I did explain to them in my complaint letter why I did not agree with being sent to that work programme interview and it was now more than 4 weeks without receiving any reply for that complaint from them. I asked the person on the phone how come it is mandatory to attend that interview while at the same time the law states clearly that the work programme is voluntarily for people on Credits Only JSA? The person replied that all advisor’s interviews are mandatory and if I don't attend then they will close my claim without even taking it to a decision maker. I'm not sure about the motives behind insisting on forcing me into that interview but given previous experiences with my advisor I really do not want to go there. Now today, the jobcentre has sent me another letter stating that if I do not contact them to arrange for another interview within 5 days then they will close my claim. I have already contacted my MP regarding this matter as this is getting too much but can someone please advise me on these points: 1. How valid is the claim that all Advisor’s interviews are mandatory (i.e. normal bi-weekly advisor interview versus a specific Work Programme interview)? 2. Why would they insist and try to force me using threats to attend the work programme interview even although I'm not required by law and I have made it abundantly clear verbally and in writing (more than once) that I had no intention of following that programme? Is it possible that they had already sent my details ,without my knowledge or consent, to the work programme providers? 3. Can they just close my claim just like that for not attending the work programme interview without even considering the compliant that I have raised or even involving a decision maker? Please your advice is appreciated! Thanks for your help. Lucy

Hi All, Recently responded to Claim form issued by the parties named above. Issued CPR request to Restons copying Cabot. Restons have replied stating they will not enter into correspondence with me because I did not sign my letter (I printed my name). Anyone experienced this before? How do I respond? Thought they were legally obliged to provide documents contained in their particulars of claim if asked to do so by defendant?? Thanks.

Greetings all, Wonder if someone knowledgable enough could clarify if I need to pay for requesting a copy of my NHS records held by my GP SAR (electronic & paper)? I've read here post of NHS GP SAR Guide to Obtain a copy of or view your patient records - Updated (Costs can vary but the rules are £10 for electronically held records and up to £50 for anything held on paper. With NHS records if you still are a patient or have been within 30 days the fee is waved and it is free. You can also arrange to view you records for free and keep them updated by requesting copies of new letters as and when they are written etc.) unless I have misconstrued what is written, as an existing NHS patient access to this information is free of charge. My local GP practice manager has informed that a cost of £30 would be applicable, just wondering if and how I could challange this? Thanks in advance.

Hi, I have a debt with Lowells bought from HFC Bank, for approx £290 the last payment/acknowledgement was in March 2009. Lowells bought the debt and started sending me letters and calling as they usually do. However after first reading this site I sent them an SAR in March 2014. They have dragged their feet attempting to comply with my request until today (Sunday) I received an email from them the contents below. They sent statements and other fairly useless info to me but failed to send an original CCA signed by me. They have now stated they do not need to and instead sent me a copy of the agreement I may have signed way back in 2005. The copy has my details handwritten but no signature or anything else. Is there anything else I can do about this, as they say I now have 30 days to "arrange a repayment plan".... As you can see from the email this has been going on since March 2014. I also have a Barclaycard debt with them for which I am just starting the same process as on the original SAR they only complied partially with the HFC account and again have done nothing with the Barclaycard SAR or account since then - well over 7 months for them to get the info together which they presumably dont have!!! Contents of todays email copied below ---- Original Creditor: HFC Bank LTD I write further to our email dated 21 August 2014 and apologise for the delay in responding. Summary of your complaint You are unhappy with our contact in relation to the above former HFC Bank LTD account, as you believe we have failed to supply you with all the information you have requested under the Data Protection Act 1998. My Findings Please be aware that under Section 7 of the Data Protection Act 1998, we are only required to provide you with the documents that we hold. We have no obligation to seek and obtain further documents that you request under this legislation. Our records show that we responded to your request for information under Section 7 of the Data Protection Act 1998 and provided you with the data you are entitled to under such a request on 5 March 2014. The Data Subject Access Request pack we provided complies with the requirements made under the request. I note that you have requested a copy of the signed original credit agreement for the above account. The documents required to be supplied in relation to any account governed by the Consumer Credit Act 1974 have been the subject of a lengthy legal test case of Carey v HSBC Bank PLC [2009] where it was held by the High Court that to comply with such a request:- 1. The original signed agreement need not be supplied, as a reconstituted copy of the agreement is sufficient provided it contains the name and address of the person as it was when the credit agreement was signed; and 2. If the terms and conditions of the credit agreement have been varied following the date it entered into, then a copy of the last varied terms should also be supplied. Given the above, please find attached a reconstituted copy of the agreement as supplied by the original creditor, HFC Bank LTD. I have also enclosed statements of the account which demonstrate the balance remains outstanding and due. I have placed your account on hold for 30 days to allow you the opportunity to review this information to contact us with your repayment proposals. If we do not hear from you within this time, collection activity will resume. I hope that this response concludes the matter to your satisfaction. If for any reason you are not satisfied with this response, please do not hesitate to contact me on telephone number 0800 5420 058 or reply to this email. Please refer to our email dated 21 August 2014 which gives you the right to refer this matter to the Financial Ombudsman Service.

Hello All - Ist time post. In seeking further disclosures from the Respondent prior to ET, is the correspondence to and from them able to be discussed at the ET hearing?

Hi recently SAR Barclays and have received a list of documents from them, can someone give me an idea as to what they should have sent me. They have sent me a print out of statements which point out telephone calls made to house and late payment charges going back 6 years dont seem to see any T&Cs included. I know I have had an account longer than that, is this all that they are required to send me, any help would be appreciated.

Good afternoon. I have a couple of questions regarding an ET case that has recently been submitted, for constructive dismissal, and wonder if someone can guide me. 1. The respondent (a large retail company) has, 8 days before the time limit, requested an extension of time to submit their ET3, citing 'they are awaiting further information on the claim from me', as there isn't enough information in the ET1 for them to respond. Yet they only wrote a letter to me, on the same date (today). Can I object to the request, and if so, how? 2. The letter appears to be a 'fishing' letter, trying to ascertain exactly what information and evidence I have. My initial thoughts are twofold: a) if there wasn't enough information in the ET1, the tribunal wouldn't have accepted the claim, and b) the information they are requesting appears to be what would be included in my witness statement, and they should not be privy to such until the witness statement is provided (and obviously exchanged with theirs on the same day). They are being represented by a solicitor, whereas, I'm acting as a litigant in person, and I believe they are abusing that knowledge. Can someone advise the best way forward please?

Hi I started getting chased by Moorcroft in relation to a HFC and subsequently sent off a CCA request. Had it ( and my fee) returned today along with a covering letter stating under instruction from their client all credit agreement requests must be hand signed, and have asked me to resend with a signature. Obviously sets alarms bells ringing, but thought I'd come on here to advise and see if anyone has come across this type of thing before and possibly offer me advice on next step? Thanks

Hi folks, relatively new here & this is my first post - not sure what direction to take. Got a Cap1 card in 2008 and all went well for a while. Late 2012/early 2013 my work took a downturn & money became very tight. Got in touch with Cap1 & agreed reduced payments. By mid 2013, I got a job offer, wrote to Cap1 to tell them the good news and telling them that I was due to start work soon (I had been keeping them up to date each month when I sent payment). Cap1 responded by issuing a default - net result, job offer withdrawn (it was in the financial industry). One thing led to another, next thing I started getting calls etc from Fredricksons. Sent a CCA letter & advised that all communication must be in writing etc. Case was bounced back to Cap1 & Fredericksons disappeared never to return. I finally got a letter back from Cap1, I had applied online & they sent me a print out of the agreement with my name typed in where the signature should be. They stated that they would not enter into further correspondence regarding copies etc as they had complied with S78. Everything then went quiet, no contact from anyone, no indication of who I should pay, when or how much - nothing!! The end of this week, I have received the opening letter from Lowells Portfolio, they have bought the debt (£4054) & I should contact them to arrange payment etc. At this stage, my financial position still has not recovered, I am working but on a zero hours basis and am receiving tax credits & housing benefits, some of my priority bills are also still a little behind. To date, I have not sent a SAR letter to either Cap1 or Lowell, I'm not even sure if that is the way to go. Has anyone got any suggestions how I can cut Lowells short before it gets too heavy, I am not afraid of fighting and getting down and dirty if necessary but I could do with concentrating on work at the moment as I have a chance of a regular full time position. Any suggestions would be appreciated.

Hi, I have received a County Court claim notice from Cabot via Northants Business Court. I have applied for the 28 days extension and sent CPR 31.14 request to their solicitors Mortimer Clarke. They have responded and asked for proof of my name change (got married) - but why? What relevance is this to them? Moreover, I sent CCA request to Cabot. They responded to say they are requesting from the original lender. My letter also asked for true copy of Deed of Assignment. They said it's confidential but they did sent Notice of Assignment to me in September 2011. I never received anything from them. Never received a letter and have no knowledge of this debt, yet it's recorded on my credit file. I'm disputing their court claim. But I don't know what steps to take next. What do I send back to Cabot to say that I never received the NoA. Surely I am entitled to see a copy of the DoA? Please help as I need to send something back in order to build my defence against this claim

Would really appreciate some advice on a CCA request & reply from AMEX. The account was taken out in 1997 and in response they sent me: A copy of a 60 second application form (these are not signed on behalf of AMEX). It is signed by myself but does not contain any prescribed terms. It does say "I agree to be bound by the terms and conditions which form of part of the agreement". The "apparent" terms and conditions - these are barely legible and a separate sheet, unsigned by myself. There is no definite credit limit documented - just that "we will decide in our discretion, your credit limit from time to time and inform you what it is". (I am reading this with a magnifying glass!). They included a current statement of account and returned my £1 postal order as they are "happy to waive the fee". They have come back saying "You will note this has been signed and dated by AMEX and consequently the agreement has been properly executed". (They are referring to the "approved UK accounts box"). Can anyone with experience of AMEX agreements let me have their thoughts on this. I've been reading the forums for a while and have got some really good information from here. I think the time is probably right to SAR Amex. I'm pretty sure they don't have the original document - this looks like a microfiched copy. Thank you in advance.