ok thanx very much. will be back on later myself. thanx again for the support. dazza

hi sent off the cca this morning special delivery.i'm sorry to keep on but when do i fill the court form in and please could someone tell me what i should put as a defence exactly as i haven't a clue about court stuff and neither has my partner.my partner is also scared stiff about going to court but will do if it get the dca off her back. thanx again dazza

is there a time limit you can submit a defence on line or can you say do it the night before the court hearing?

thanx a lot everyone .i just looked at the royal mail website track and trace.it said it was delivered from their redditch office but the part where the signature was is just unreadable.printed it off but its useless. thanx again dazza

will go to the royal mail website and have a look. what does subbing mean thekat? i just noticed on the letter that it has come from capquest.i sent the cpr request to hl legal so why would the letter come from capquest fleet 27 rye close?

i dont know what they are trying to claim for but the court form says £299, but when the letter arrived its got £634 on it.my partner says she never had nowhere near that limit on the card in the beginning.

ok thanx, will get that done in the morning first thing. what about the court form .should we fill in the defence now or have we got time to wait.i think the date is up round about the 18th nov. thanx again dazza

hi i sent the letter cpr18.i did send it to hl legal not capquest.i didnt send a subject access request.i sent it on monday 3rd special delivery.not sure when it was signed for as i haven't checked up on that.can i do it with the royal mail website? i haven't done the court form defence on line yet .i wanted to see what you guys said first and to know what to say after this reply. thanx again dazza ps i didnt send a cca request .was that a bad move or can i still send one.

hi again. thanx for the replies .i sent a letter off by special delivery and have had a reply from capquest.i've typed in what the letter says for you to read.we found out the debt is from 2004 so is not statute barred.please could you advise me on the next course of action to take. thanx again dazza letter from capquest: we thank you for your recent correspondence,the contents of which have been duly noted. please be advised that as you require Subject Access information in relation to this account ,we require the statutory £10 administration fee.this is in line with the Subject Access Request rules. this can be made by cheque or postal order ,with your reference number *****, and the words Record Fee Only clearly marked on the reverse. please also provide proof of your identity,such as drivers licence,and a document that links you to your current address.

ok thats great .thanx a lot. wiil keep you posted and will get the letter off first thing. thanx dazza

hi just one question .do i send the letter to capquest fleet 27 or the other address hl legal & collections herbert street? thanx again dazza

i hope i've done this right.please forgive me if i haven't.

thanx again SH i will scan the court form my partner was sent.i'm sure i will get it done by tomorrow at the latest.thanx again for the letter , it will be in the post first thing monday morning. dazza

thanx scabhunter, makes us feel a lot better.will get that letter off monday morning. thanx dazza

hi thanx for the reply . the respond time is 14 days which takes it to about 18th nov (taking in to account the notes on the form about service date). the claimant is capquest investments ltd and the debt is for capital one. what is the worst that can happen after it goes to court as my partner is not working at the moment and couldn't afford to pay hardly anything as she is on income support and has a young toddler to support. thanx dazza i don't know if it makes any difference but the debt is in her married name and she has now reverted back to her maiden name(which she has been known as for a number of years).will try to find out how old the debt is .

hi i think i had a reply to my post but nothing showing up on here.had an e-mail to say about a reply.i've been waiting to see if it updates but no success so trying again.thanx to the person who replied.just showed up when i posted my second post.hank you 42man.what do you mean about particulars of claim?the amount is for £299 and she is not sure when the last payments were made only that is was a few years but ot sure if it is longer than 6 years. dazza

hi i hope someone can help.my partner received a form from northampton court for a debt that she doesn't know how old it is and this is the first bit of communication she has had for the debt. she believes she does owe part of the debt but not the amount it states. can someone please advise on what she does next and what happens if it goes to court.she is unemployed and can't afford to pay this amount .the court letter seems quite straight forward to fill in but would like some advice before doing so.the amount is for £299.she doesn't know when she made a payment last but it has to be close to 6 years ago but not certain. thanx daz

the debt has not ben acknowledged i writing or otherwise for at least ten years .i don't even know what the debt is for.

thanx for all your help on the above.i haven't heard anything since. i,ve now had a letter from another debt collecting service calld icQor collection services.i think they used to be called legal & trade in winckley square preston. this debt has to be at least ten years old so i've just ignored them for now. has anyone had any dealings with this company? surely this debt is statute barred and they know it is.they are threatening m with doorstep collection for now .any advice would be great.thanx dazza

they both sound excellent . will be sending one of them recorded delivery straight away. thnx dazza

hi the letter they sent with the "agreement" states: we enclose a copy of the original agreement as requested under the CCA act 1974.if you wish to discuss the matter further please call. i got another letter yesterday saying they are calling tomorrow morning (letter dated 12th sept) which is the 19th sept. if this is inconvenient please telephone . thanx dazza

hi the letter they sent with the "agreement" states: we enclose a copy of the original agreement as requested under the CCA act 1974.if you wish to discuss the matter further please call. i got another letter yesterday saying they are calling tomorrow morning (letter dated 12th sept) which is the 19th sept. if this is inconvenient please telephone . . i would love to have a letter that would blow them out of the water. thanx dazza

yep priority thats all they've sent me. its good to hear that it ain't a bit of good. thanx

here is the cca agreement i was sent from Cabot.

hooray at last ..thanx diskman dave . what do you think about this cca agreement from Cabot? thanx again