3-4 years of nothing, then this

[flooz]

My husband has been in dispute with Cap1 for several years, as they never managed to produce a valid CCA. Didn't hear anything from them for years, then suddenly, the attached letter was received today, and we're not sure how to proceed. There has been no notice of assignment (but we have moved home, twice, so they may not have the address, although CSL seem to have found it relatively easily). Can anyone advise what our course of action should be please?

 

Many thanks. [ATTACH=CONFIG]49506[/ATTACH]

[citizenB]

Your document is too small to read, can you please convert it to pdf format and repost

[flooz]

Will do CitizenB, I'm trying to remember how I used to do it. I'll sort something out and re-post.

[rebel11]

Hi flooz

 

C/O - Dx100 – Instructions on uploading pdfs

 

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or ir you have PDF as an installed printer drive use that

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

[flooz]

Ok. Can't do it as a pdf, as I don't seem to be able to edit the personal information from it. I've a vague recollection of posting as an image from photobucket, but I've forgotten how to do that

[flooz]

Thanks Rebel, think I've got it now.

[rebel11]

Hi flooz

 

Good stuff.

[citizenB]

Hmm, a generic letter inviting you to telephone them to either confirm or deny you are the account holder in question.

 

If the original creditor is still in default of your s78 (CCA request) then it could be that you might need to point this out.

 

I wonder if the attached draft would be of any value ?

 

[ATTACH=CONFIG]49519[/ATTACH]

[citizenB]

You should stay off the telephone unless you are able to record the call !

[flooz]

Thanks CitizenB. There is no intention of phoning them, but will draw up a letter along the lines suggested. Thank you

[citizenB]

[Shelley181146]

Another BRILLIANT letter drafted by CitizenB - One for my files thank you :cheer2:

[flooz]

Good morning.

 

CSL have failed to answer our letter, but have sent this instead. I'm inclined to think it's just part of their automated process, and I shouldn't respond (particularly as we have not written authority to confirm they're acting on behalf of Cap1). Thought I would post here though, in case you know better.

[andydd]

Good morning.

 

CSL have failed to answer our letter, but have sent this instead. I'm inclined to think it's just part of their automated process, and I shouldn't respond (particularly as we have not written authority to confirm they're acting on behalf of Cap1). Thought I would post here though, in case you know better.

 

HHmm.. Odd, so its not a full and final settlement, just simply that they won't pursue the debt further (at least not legally through the courts), its unclear how binding this would be, it would depend on the wordimng of the paperwork I presume, if they did decide to pursue any legal action for the remainder you could claim they were 'estopped' by the previous agreement.

[flooz]

Hi AndyDD. The account is, and has been, in dispute for several years due to an agreement that that hasn't been supplied. If memory serves me correctly, what they sent (complete with signature) was deemed an application form. We have never offered any settlement to Cap1, we have also never received any authority that CSL are acting on behalf of them. We simply can't afford that type of settlement either - and if we could, we would negotiate direct with Cap1, not CSL. I'm still of the opinion that the letter is simply part of their 'process', probably sent automatically, without any real meaning.

[andydd]

Im in same situation but havnt received anything lately.