Hi Just got back. Ok, I need to change my defence? I have come home to a court letter acknowledging my defence. How do I go about changing? What does CPR mean? Also, the CCA, who/how do i send this to now? J

I know that defence is poor. The letter was misplaced and only just saw it, the morning before going on holiday which is where I am now. I'm not sure if it is SB as although debt no longer appears on my credit record as it is 7.5 years old I did make some payments, probably upto 4 or 5 years ago. This was when I sent £1 postal order and asked for cca. They, cap quest eventually sent a copy of the credit card application which was well over 10 working days.

Hello all, thought i'd seen the back of this. Old debt is to Egg, who used CQ as the DCA. I issued a request fro the Credit card agreement about 2-3 years ago and they were unable to respond. The debt is now around 7.5 years old and does not appear on my credit report. I have replied issuing a defence saying that no CCA appears to exist for this account. Is this a last ditch attempt from Capquest? Where do I stand? J

Still no CCA or anymore contact. Do I send an in-dispute letter, or do nothing? J

Well i sent my CCA last week, and on Saturday I received a reply: It said Capquest have put my account on hold for 28 days while they seek the information. What does this mean - they are struggling to find it? J

If I got a CCJ, would it appear on my record for another 6 years? The current default will expire in 18 months.

yes, default was 12k, now nearly 16k

debt4get: The SD letter was 2 years ago nearly - they didn't act on it so nothing to worry about there at the moment.

The reason I didn't take action was that I was happy that they accepted offer, and glad to have them off my back, especially with the (false?) threat of bankruptcy. I will CCA them, but in the mean time my concern is i'm paying and the debt is going down!

I will do so now. J

Update, it's nearly 2 years since i posted originally. I sent capquest a letter along with a budget sheet and offered to pay them £80 a month, which they accepted. However, over the last 6 months i have started getting lots of phonecalls on my mobile from them - none answered. What are they after? I have looked into my credit report accounts. It shows the original Egg account as settled and satisfactory. However, the capquest debt is showing in default. Alarmingly, the original balance was 12k, it is now showing as 16k! Where do i go from here? I have paid around 1600 pounds off, but now owe even more? Will this go on forever, will i be forced into bankruptcy? Is there a maximum time that you have to keep paying off a debt? It says on the creditexpert site that this default will be taken off my report within 6 years if paid off or not, does this help me as the default with capquest was filed in October 2005? Thanks.

Lol, i'm getting more confused now! I know i'm asking to be spoonfed - and for that I apoligise - but can someone give me a step by step guide. I like to do my own research, but time is a bit short! First thing, i send them a request for CCA - i'll use the template on this site. Then, I ask egg for a SAR? - how is this done? Then, i need to ask for the SD putaside - how do i do this?

Ok, so when i SAR egg (is there a template) and CCA cap, does the SD automatically get put aside?

Hi, can you clarify what you mean they don't offer them easily? To who, me or cap? Also, is the clock ticking (18days etc) while i wait for the CCA? Thanks, J

Thanks for all the speedy replies - it's nice to see that there are people willing to help out there What i received is a statuary demand by the looks of it - i had at the templates. I'm willing to bet the guy on the phone all those months ago didn;t goto egg - he just dismissed it. I did wonder how bankrupcy would help capquest - i have a car and a laptop and desktop pc, but live with my parents still. The debt is unsecured, i remember it said this in the letter. I realise i owe egg the money - there will be intrest and charges in the 12k thats for sure. And i just remembered - capquest now claim i owe them 14k, 2k being intrest since they bought the debt. What's the first thing i should do? Ask them for the credit agreement? Shall i offer to pay them some money in writing? J