Gosh - I have now received a letter from Marcus Butterworth!!!!! He wants me to contact him by 15th March in order legal proceedings. Wonder who to respond to Mike Daniels Managing Director or Marcus Butterworth:rolleyes: Regards

All you responses have put so much more at ease. Have just done a prove it letter today - see what the Managing Director comes up with. Many thanks.

Hi Just received a letter from the Managing Director of the CapQuest Group. Apparently:- They have purchased my debt from MBNA. I have been preselested for a one time solution to settle my account. This is not a gimmick and nothing sinister. It's a project. The plan is simple:- Agree to pay a minimum amount of £xxx every month by DD or another method that may suit. For each payment received every month CapQuest will credit your account with a amount equal to 30% of the payment. Shoud you wish to accept this offer please telephone xxxxx and have all the necessary bank documentation. This offer is availabe until 11th march 2010 when it will be withdrawn. The letter does not have an account number - just says Debt purchased from MBNA. How do I respond. Many thanks. Regards

Hello all THANK YOU so much for your encouraging responses. I am now going to send a SAR request to MBNA. However, should I respond to Experto or shall I just let it ride until I get a response from MBNA. Many thanks for all your help. Warmest regards.

Update Hi everyone I have today received a letter from Experto stating an account number that I recognise. This is what the letter says:- Due to a technical error on our systems, we have been corresponding with you under an internal account reference number you may not have recognised. Our legal advisors have directed us to communicate with you using the correct account number allocated to you as it relates to the original credit agreement. The correct account number shown in this letter will be used in any future correspondence. Please contact our office today, if you need further clarification. Sometime back [June 2009] I had requested MBNA to send me the CCA. I have had a few responses from them saying they are still trying to locate the agreement. The last correspondence I had from MBNA [December 2009] was to say that their "specialist team" was trying to locate the agreement and in the meantime I should continue to make payments in regards to the account. MBNA have not sent me a default notice, termination of account notice or informed me that they have sold the debt to Experto. Would someone please be kind enough to tell me how to proceed with this. All help is greatly appreciated. Thank you for all your help and support Regards

Hello Thank you for your replys. The situation is as follows:- My original Credit Card was issued by Alliance & Leicester. Some time later MBNA took over. Late 2008 I got into money difficulties and sought help from Payplan. MBNA were the only ones who would not accept Payplan's offer of reduced payment. However, I have continued to pay what I can afford via Payplan and MBNA have been "accepting" this payments, nevertheless. Late last year MBNA issued a default notice. The account number on this DN was incorrect. I wrote to MBNA to ask for a CCA in regards to the account number they were referring to - thus far I have had no response. A few days later I received a letter from Experto Credite saying they were now dealing on behalf of MBNA, once again the account number was one that I did not recognise. So I wrote back to EC I did not acknowledge the debt and also copied the CCA request letter which I had sent to MBNA. It all went quiet for a bit and this week EC have sent me the above credit card agreement with a covering letter requesting me to telephone them as soon as I receive their letter to discuss a payment plan. The account number they qoute on their letter and on the "agreement" does not match. I want to write to EC but just don't know which template I should use. Any suggestions? Do I put in a CCA request? Bearing in mind the request is still pending with MBNA, do I send another request to EC? Can EC start court proceedings eventhough I don't a debt with that account number? Many thanks for all your help. REgards

Hello Latest on this saga is that Experto Credite have now sent me this 1 page agreement. The account number that is stated on this still is different from the account number for the debt they are chasing me for. What should I do next. Please let me know. Very grateful for all your help. Many thanks. Regards.

Hi Would some one be kind enough to have a look at the "agreement" that Experto have sent me. So far they have been chasing me as agents for MBNA but have an account number that I do not recognise. So I had asked for a credit agreement and this is what I received - yet again the account number does not match. Please advise. Many thanks for all your assistance. Warmest Regards

Thank you everyone. Am going to send out the CCA and SAR rquests as suggested. Then just await their response. cerbersalert - have sent the letter to H L Legal today. Many thanks for all your help. Will update as and when I hear from them Willtheywontthey - very interesting thread. Thank you for welcoming me to the club. Have a lovely day

Thanks everyone for the responses - have learned a lot. How should I respond to CapQuest, HL Legal and Experto Credite - oh and not forgetting MBNA of course. Many thanks.

Is it dodgy or am I in bother with MBNA and their DCAs. One would think they could get something right. Ho Hum Thansks.

Here we are. Sorry about this. Many thanks.

Don't know what happened there. Try again.

Thanks everyone. Here we are - I think I have managed it. Hope it works. Thanks. 87% PS Will donate more when I am able to afford more. This is a brilliant site - have to keep it going.

How do I post a jpeg image? Many thanks