So do we think this may be enforceable or not? lol, I'm hoping not! Wayne

I'll get a letter off to the other person and put in a complaint. The credit aggrement that I signed does does have and credit limit stated on it, or APR rates. The other document is definitely not from when I signed the agreement, although this does state the credit limit etc. So what do you all think? Thanks

it certainly does!!!! Its a carbon copy of mine, but with there address and monetry amounts!!!

Hi All, Some of you have been helping me with a debt from Capquest, as suggested I asked for a copy of my credit aggreement. Well today I received it, well a tiny part of it (I think), this can be found attached. What I am wondering is, have they sent me the correct information, there just does not seem enough. As well as this I received a copy of my most recent terms and conditions, the thing is these have my new address and not the address which I was at when I took out the agreement, these are on MBNA headed papers. To top it all off they also sent me a copy of someone else's agreement!!!! Thanks in advance! Wayne

bump

I think the links above work.

ImageBam - Fast, Free Image Hosting and Photo Sharing ImageBam - Fast, Free Image Hosting and Photo Sharing ImageBam - Fast, Free Image Hosting and Photo Sharing Hopefully that'll work. I'll look forward to what you all come up with!

OKee Dokey, i'll scan and post in a min.

Whats a CCA? I've just been reading the letter the bloke brought round and its a 'Statutory Demand' Sorry I really don't understand all this stuff!

Hi All, Not sure if this is in the correct place or not. But here we go. I have recieved a hand delivered letter from Capquest stating they are going to take me to court to declare me bankrupt (daughter opened the door etc etc) Now, this debt relates to a bank account I had with Abbey National (I opened this account on the 4th Jan 2002), it defaulted on 01/12/2006. The thing is, Capquest have brought the debt from MBNA (who I have had no dealings with, ever) so i'm a little confused. I have read somewhere that I maybe able to challenge any old bank accounts that are now defaulted. I'm after some advise into what I should, I have tried looking around the forums, but just seem to be getting more and more confused! I look forward to your help and advise, or points in the right direction. Wayne

It would help if I spelt it correct. Its Distraint.

Hi, I hope I am posting this is the correct place. About 5 years ago I was self employed , but my business went pear shaped, since this time I have owed income tax. I have now received a Notice warning of enforcement by distrant. Where do I stand? I want to pay the amount, but don't have the £3500 to pay, can I pay in installments, or will they just come and take my stuff? I appriaciate any replies. Many thanks

I answered and told him i'm only dealing via letter and hung up, he left a voice mail, if I can some how get it off my phone I will, its quite laughable, threatening bankruptcy, my other halfs name came up and again stated that 'template letters' from the internet are not legal.

I'm also have grieve with these idiots, I also sent the 'prove it letter' the response was a voicemail stating that 'template letters from the internet are not legal'. Didn't hear anything until today when Mr Blair just called, I hung up. Again threatening bankruptcy, but they still have not proved any debt. Knob heads.

I have an update! I had Mr Blair on the phone again this morning, again threatening bankruptcy and visitations, they have not replied to my original letter asking for evidence that I owe any money. So what do we think my next step should be? Again thanks so much for all of your help. Regards