In concrete terms, credit agreements for fixed amounts or credit cards must contain three `mandatory conditions`: it is obvious that, among the millions of credit cards, store cards and private credits granted since the entry into force of the CSF, some poorly drafted contracts seem to have been used. The creditor can ask you to pay the debt, but if you don`t, the creditor can`t do anything. You can`t bother paying. A polite letter every 6 months or a year is correct – frequent letters, SMS or phone calls are not. This is usually not a problem in practice. Hello Sara A big thank you for your advice here to apply for CCA`s for old credit card debts. I followed your advice in June and asked Morecroft re Arrow Global Guernsey for CAAs for my Virgin MBNA card and Wescot re Cabot Financial Europe for my RBS Mint card, both from before 2006. Here`s a case of “collection can`t prove it`s my debt, but Will Payment,” in which a collection company admitted that the debt was not enforceable because the CCA could not be found, but was always wrongly asked to pay. . . .