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Debt enforcability - Credit Agreement


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Hello

 

Can anyone tell me where are the template letters

 

to see if the Debt is enforcable.

 

I have a credit card agreement taken out in 2004, seems quite shoddy

 

I know from this Forum I should write to them and ask for a copy of my Agreement

 

what do I do next and where are the template letters ?

 

Is there a thread on here about Debt Enforcability

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