Hi, bit of support/advice please.
Story so far:
I have a debt with Cap1 and they have defaulted my account and passed to Credit Solutions (Cougar) for them to collect on Cap1's behalf.
Cougar have been ringing and wrote to say they would call.
I have sent the CAG letters re no visits and that I would not deal with them on the phone but only in writing,
I have also sent CCA letter.
I have no response to any of them.
Still ringing, another letter confirming a visit
and I have now sent Account in dispute letter
(Failure to provide a copy of the agreement within the prescribed timescale.)
since default notice I have continued to make transfer payments from my bank direct to Cap1
(& they have very kindly refunded all default sums incurred since Aug 2011
without me asking for them and knocked it off the outstanding balance)
Should I continue to make the transfer payments direct to Cap1?
(I no longer receive statements and cannot access the account online)
