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Showing results for tags 'reconstituted copy'.
Found 2 results
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Hi, I'm Mary I'm new here as a poster but long time observer. I wondered if someone could help me with a situation I'm having regarding JD Williams, I'll try to add as much detail as I can. Firstly they said I owed £573, after I sent them a Unlawful Charges Form and a LBL that went down to £118, So I wrote asking them if I could pay that off £20 a month on the 26th of every month. They wrote to me saying yes with a direct debit form. ... However they tried to take the money out on the 21st twice and my wages weren't in there yet. So then I asked if I could set up a standing order in which £20 would come out every 26th and they agreed and gave me their account details, but they added on more charges for missed payments, also a charge as I only paid £20 instead of what they claim is the mimium of £60, now the debt has gone back up to £207 I have a CCA from them to but it's just a "Reconstituted" copt of the original. Is there anything I can do now? thanks.
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A few months ago, Capital One served me with a default notice and passed my debt with them to Capquest. I have been paying token payments on this and several other debts since becoming unable to work 10 years ago after suffering a serious form of cancer. They had started demanding to see copies of my bank statements etc and it was when I refused to do this, having submitted the usual statement of expenses, that they issued the default notice. I requested a copy of the CCA from Capquest, who passed it to Capital One. They have now sent me what they say is a "reconstituted copy" and a rather threatening letter advising me that the document is valid and the debt must be paid. I wondered if someone would kindly look at the documents if I scanned them in with (personal details removed)? I have no idea as to whether the agreement is enforceable!
