OK, thanks. What does this actually prompt Fredrickson to do? For example, what happens if they send me this information, and what happens if they don't?

No, what's a DSAR? Excuse my ignorance!

Hi, Would really appreciate some advice. I have a £5000 debt with Capital One which has been passed to Fredrickson International. I requested a CCA in January 2012. The reply I had back was that they were looking into it. In March 2012 I sent the template letter informing them that the account was in dispute as they had not replied to me. I had no further correspondence until last week when a letter arrived informing me that the debt was correct and that I had to pay it. Today I received a letter threatening legal action unless I paid the full debt within 7 days. Next steps?! Thanks.

I think it was 2006.

Hi, I've had a response from a CCA request to Newman DCA who are chasing an American Express credit card debt. They've sent me what looks like the information I entered online at the time of applying for the American Express card. Is this what they should have sent? Shouldn't it be some sort of credit agreement? Any advice gratefully received.

Will do, thanks Brigadier. CCA letter to Fredrickson is already printed off too.

Hi, the letter from Fredrickson says "We have been instructed by Capital One (Europe) plc who have passed this account to us for collection of the outstanding balance." I did put the account into dispute with Cougar on 9th January 2012 when they hadn't replied to my CCA request. I've just re-read this letter which I also did not receive a reply to. Part of it reads thus: Should you not respond within 14 days I expect that this means you agree to remove all such data. Furthermore you should be aware that a creditor is not permitted to take ANY action against an account whilst it remains in dispute. The lack of a credit agreement is a very clear dispute and as such the following applies. * You may not demand any payment on the account, nor am I obliged to offer any payment to you. * You may not add further interest or any charges to the account. * You may not pass the account to a third party. * You may not register any information in respect of the account with any credit reference agency. * You may not issue a default notice related to the account. I reserve the right to report your actions to any such regulatory authorities as I see fit. You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint.

Hi, would just like some advice if possible please. I have a £5000 debt with Capital One which they sold on to Cougar. I sent them a CCA request letter in December 2011 which they did not respond to. Last week I had a letter from Fredrickson International about the same debt. Are Cougar allowed to do this and what is my best course of action? Any replies gratefully received.