Debt - Can't pay! Won't Pay!

Section 78 of the Consumer Credit Act. If any bank or credit card company is chasing you for money ask for a copy of the original agreement. Many can't provide this document and send a copy of the application form instead. This is not the valid agreement as defined by the Act. Without the proper documentation, they cannot enforce the debt in court. Seems to work well if the original company has been taken over. The older the paperwork the more difficult it is for them to keep track of. You must ask formally; they just ignore informal requests.