Disputing a debt

[gbadvise]

I have a debt that is outstanding that I took out back in 1997. I defaulted the credit card a few years ago and have been paying a debt collection company minimum payments each month.
I dont see this debt ever getting settled given the amount involved.



As the credit card was taken out so long ago I thought prior to 2007 that if the debt company (who now owes the debt) took me to court that they would need to have a copy of the original agreement (assumed signed by me).

Is this still the case or can they just print off what they think where the terms at the time?

I suspect now the signature will be missing given the number of years that have gone.

This debt worries me to death and I am constantly ensuring what I have agreed to them all be it a small payment is paid on time each month. Constantly ensuring they know I am trying to do my best.

i am just worried that if i open any cans of worms or start fighting back that they will turn nasty.

Your thoughts please

[gbadvise]

I have been reading the forums and assume these are all after 2007? I just dont understand why send a CCA request in to the creditor for them just to send a reconstituted (or what they think the terms where at the time).

[MIKE770]

Prior 2007 must be s true copy . A lot never get a true copy send CCA1974 request with pound postal order recorded delivery or proof posting free keep copy send to originator they have 14 days after which until of ever they cannot get judgment against you. Some were burnt in the "Mountain" fire years ago??

but also give more detail type etc etc

[MIKE770]

deleted

[MIKE770]

CCA Request