debt and credit agreements ??

luckymum_3

hi all...
i have 3 catalogue debts and a visa debt that i am strugging to pay
and can not remember if i signed credit agreements..
i owe littlewoods approx £800 , which is now with iqor debt recovery and have made about 5 payments of £10.
i owe kays £624.60 ,i am paying them £17 a month but the credit agreement for this extended payment plan is with me as i didnt get around to signing it .
i owe grattan about £200 paying the minimum amount each month and i owe vanquis visa approx £500 paying £10 a month for 3 months then they will look into if i am to pay more..
am i able to contact the above and request signed credit agreements before paying them anymore or is it to late , and what happens from then on if i dont receive them ... thank you

GeorgeUK

How recent would these CCA's be? There was a change to the legislation so different rules apply if the agreement was signed after 5th April 2007.

luckymum_3

hi .. i have been a customer with grattan since 16/08/06.
with kays since 7/10/06 ..
with vanquis visa since 8/12/05
and littlewoods since 5/03/05..
that is going by the statements i have each off creditor as i keep all my statements.....
any help would be appreciated ..
can also post up a s.o.a. if needed ..