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Hi everyone,

 

I wonder if someone could clarify that this returned CCA from Capital One is what I think it is...Just rubbish!

 

Short background to my circumstance is that I have been paying a more than affordable payment to Capital One of £5 a month, and have been ignored by them when I write with budget sheets etc. I have been threatened with the usual off Debitas, and Capital One have also defaulted my CC account.

 

So as I thought they were being unreasonable at my attempts to pay my debt, I CCA'd them and received the following.

 

a) A cover letter

b) What they call an agreement.

c) A leaflet of T&C.

 

Seems I can't post links to my scanned images of above paperwork unless I make 5 posts!

 

But basically the "Agreement" has NO signature boxes, and therefore NO signatures or dates.

 

I have made an effort to understand what constitutes an enforceable agreement reading other posts, but I am a little confused about the sections regarding the omittance of certain asked for information when requesting a CCA, in this case signatures.

 

Any clarification, or ideas of how to post images (if required) would be greatful.

 

Thanks

 

ratlover

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