We started dealing with our own debts after leaving CCCS and 2 of our debts (Lloyds TSB and MBNA ) are being handled by DCA's. We requested CCA's for both as we wanted to be sure of everything CCCS had been doing and didn't recognise the names payments were going to after chasing we found Wescot were dealing with the Lloyds loan and Idem were dealing with MBNA debt and we issued requests and £1 cheques to these companies. The one from Lloyds is 'a copy of the reconstituted version of your executed agreement and a signed statement of your account' - it goes on to say ... 'there is no requirement under the CCA to provide you with a copy of the original signedagreement. 'having satisfied our obligation under section 78, the agreement you have with us is fully enforceable and we shall continue to treat it as such. Since we received this letter we have had two further letters - 1 from wescot advising reduced payment would be accepted and another from SCM solicitors requiring the balance paid off within 7 days Where do we stand with this debt? idem servicing sent a copy of the CCA after request and it is not signed by me or MBNA but tick boxes next to my name and that of Jonathon Back (Director) on behalf of MBNA are both ticked (computer generated) Where do we stand with this one ? I'm not trying to get away with paying anyone but the different companies and lack of agreements seems a bit strange?