Hi,
I have same issue got a letter from Restons (acting on behalf of Capquest). They threat to take me to court to obtain CCJ for a default from Jan 2012. I responded with Pre Action Conduct - Request for information letter. There responded straight away say my request is not reasonably necessary or proportionate under paragraph 6 of the practice direction pre-action conduct and protocol. basically telling me they have been instructed to start proceeding if I don't get back to them with the 15k payment. they say I entered into a agreement with SAV Credit Limited on 17 Apr 2007. When In actually fact this was a BMI baby credit card with then because a citigroup card.
Can Anyone help me with what my next response would be to get them off my back? Can they get a CCJ against me? I am really worried... Also, think should I try and a reduced Full and FInal settlement... Any help would be greatly appreciated.