UPDATE I did go ahead with the CPR request to Capquest after my last post, and all the phone calls etc stopped after Capquest said they were passing the request back to Capital One. I hadn't heard a thing up until this week when I received a letter from Capital One again sending me a response to a CCA request with current T&C and no signatures to which I did not request. I requested the required information under the CPR law, so why are they sending the same old cr@p? :?

SUCCESS! Well I checked the bank today, and it looks like my dispute has successfully ended and the retailer has refunded my money Once again thankyou to all that helped answer my questions and arm me with the ins and outs of distance selling law.

Just a quick update. Still no refund. Amazing how quick they can take your money, isn't it? If I do get the refund, I bet they hold off until the very last minute of the 30th day.

Just a quick update... Courier picked up this morning 09:30:), great no waiting around for them. Before I handed the parcel over I asked if I would get any paperwork or receipt and he said he could give me a receipt, so off he pops back to the van. He comes back saying he hasn't got any but have I got a piece of paper?. I said "Here's somthing I prepared earlier", explaining I had been shafted before not having proof of returning goods. So I had knocked up (as suggested) a simple form stating... I had already got my digital camera ready, as I even thought about asking my Son to video the exchange! I checked the bank this morning however, and still no refund. Anyway they have 25 days left to comply with the regulations. It's great that we have forums like this where we can exchange experiences and help, and I hope that maybe one day this thread will provide good reference for someone else who needs a little help. Thank's for reading.

First, a big thankyou everyone who has replied I have (I hope) one more question... The retailer has agreed to arrange for collection on Wednesday 21-07-2009, now what are my rights regarding making sure I get some sort of receipt or proof of sending back? What do I need to look out for from courier? Will the courier give me some paperwork, or will I have to insist on some kind of receipt? I ask, because when I was younger and a lot more naive a courier returned to pick up something I'd bought mail order, but I didn't get anything to prove I had returned the item. To cut a long story short, even with the help of the CAB I was unable to get either my money or item back! Thanks again.

Great! Thanks for that tinyfin .

Hi, I have this morning received goods from an online retailer and they have arrived thus. One item is broken. The other item has been replaced with an inferior quality product without them contacting me for my approval to do so. I have emailed them to ask for them to pick them all up and refund me. Now, is it within my right to demand that they pick up the items at their cost, or is it down to me to incur further postage costs to sent it back? Thankyou

Hi postggj, I have received a letter before just like it, just another standard CapQuest template.

One last question, I hope If I do go ahead with a CPR request, shall I send it to the DCA or the OC bearing in mind that the OC sold on the alleged debt to the DCA and reminded me to not deal with them (OC) anymore. Thanks

Noted, Thanks.

Thankyou to all who answered. I think I shall sit on it and await the threatened SD and let them do the work before I strike! Just out of interest, is it worth going down the CPR route with the OC even though they have sold the debt?

Hi 42man, Thankyou for the quick response, but NO I did not send CapQuest ANYTHING. I went down the lines (Right or Wrong?) of "If I do not contact these clowns, then I surely DO NOT acknowledge any debt to their outfit". As tempting as it is to reply to these idiots, I am at the point as where I want them to prove I owe this debt and under the terms they allege, as any CCA I have sent to date has just ended with me losing £1 for nothing or attempts at being reasonable and flexible on my behalf are just always considered not enough by the DCA/OC. As for the OC, one of the last letters I received from them stated that their reply was their "final response in relation to this matter". I did post about my CapitalOne CCA last year, here is the link if you are interested. http://www.consumeractiongroup.co.uk/forum/general-debt-issues/161517-capital-one-cca-enforceable.html Thanks again

Thankyou for your quick reply cerberusalert.

Hi, A quick explanation of my situation. 1. Original creditor won't/can't produce CCA (Capital One), but paying what I can afford. 2. Alleged debt sold to DCA (CapQuest) and Original Creditor said to stop any payments to them and deal with DCA. 3. I decide to go down the NO contact with DCA (and NO payment) as OC had not complied with my requests for CCA. 4. All the various scare tactics from DCA etc, until threat of statutory demand being served. Now, My question is this... As I have not contacted DCA in any way or asked for proof of alleged debt from DCA, can I still use the fact I had NO CCA from Original Creditor as my defense IF I get a SD. I hope you can follow my explanation, and await any help. Thanks

Hi suziedarkness, Welcome to the Consumer Forums. I am quite new here myself, but from what I have learnt already, is to not include any identifiable information in anything you upload and share with the group. In your case I see that you have left the account number visible in your Word document attachment, which could be used to identify yourself. Anyway, I am sure someone more qualified will be along soon to help you. ratlover