hey guys i owe capquest abt £520.06 from an old barclaycard student visa from 2005 but defaulted 2008 on 10/9/10 i phoned to arranged payment with them of £26 a month even tho they wanted more i wanst' budging from it , i even annoyed them when they asked for contact number,employers details,income&outgoings i said no comment then they said we need these to have acceptab;le arrang,ment i said you dont need them as i am telling you how much i will be paying not you telling me what i can afford.so they went in a wee huff then they asked for a payment to setup it up i said no i want it in letter the terms we guranteed they said just £5 will save you going to court in meantime i said do you have a hearing problem i said no till i get written agreement so he said ok why wont you do i replyed cos i dnt trust you he said but we can say the same but you i said yeh but you just have to take my word for it he said ok you get the letter in 3 days then will you pay i said yes today guess what no letter so i phoned them up using 141 before their number i got from saynoto0870 website as i not paying a premium number. spoke someone to say i hadnt recieved my letter, he turns around says oh we didnt send one out i said well i was told you were,he said we dont send out written payment agreements and you owes us this amount what the chance you pay today,i said i not paying till i hVE WRITTEN AGREEMENT nope we still dont do it . i said well you wont get paid till i do ,he said we just take you to court ,i said i have tryed to payment arrragment but you won accept the judge will look favour to me, he said perphaps they will but we dont know ,so i ask few questions to him to see wot they say first question was --do you have my orginal cca he turns arounds says no we dont barclaycard still does and we can ask them if we want to then i said but you bought the debt from barclaycard so you should have it he said we dont have to have it as we are debt recovery company we dont need it -------- is this right? second question : can u pass me to h l legal dept to sort this out he sorry we cant you have to 0870 sumthing i said why he said they are different company i said thats weird i pretty sure the guy next to you is h l legal?????? they guy kinda laughed and sayed perhap he is and perhaps he not i turn around and sayed but capquest owns h l legal monkey's plus few other names he said thats correct but he might not be next to me ???? sorrys guys for the long story but please help as i do want to get rid of this debt