Hi
I've had the CCA request back from Capital One, unsurprisingly they have said the agreement is enforceable. would it be possible if someone could have a look at it see if they think it is?
I'm happy to scan the documents that they have sent me, which I have listed below.
They have provided a copy of the original agreement with my signature on it.
They have also provided a copy of the terms of my capital one CC agreement, this is undated
They have also provided 6 pages of T&C's that again are undated and look generic.
And finally a copy of the default notice that they say they sent to me, this is dated 01/12/2011, thought my default reported on my credit file is 03/01/2012.
I have also had a letter from RBS and they have told me that they have now assigned the debt to Cabot, but Westcot will still continue to manage the account.