Cap One CC

[Deepie]

Re: Cap One CC

Hi, I have been dealing with this one using the templates etc so far, however, their latest response has lost me and I'm hoping some one can help.
This is the story so far.
The original debt was a business credit card, (business has ceased), last payment was made in early 2010, there was only sporadic communication from Cabot, which was ignored untill Jan 2012 when they said 'Your account has been escalated to our pre litigation department' this was when I asked for the CCA. Details below.

23.1.12 Cca req sent to Cabot

24.1.12 Letter from Cabot returning fee and stating they will retrieve docs which they anticipate will be within 12 days.

9.2.12 Letter from Cabot stating the original lender is experiencing a delay in getting the docs, we remind you the debt is still legally due etc etc.

2.3.12 Letter from Cabot giving signed app form and statements and asking for payment.

14.3.12 CCA query application form rec’d letter to Cabot

This is the latest letter which I am unsure of what response I should send.

11.5.12 Response recieved. I have only given the important parts rather than the whole letter.

They say that the information they have provided goes beyond the definition of a 'true copy' because they have sent a photocopy of a credit agreement which I signed, they didn't, they sent an application form!
They say it is not their normal practice to recontruct credit agreements, they back this up by quoting Section 61 And Section 189(4) of the CCA.

The letter itself is dated 27th March 2012 and towards the end demands contact is made within 14 days!

Thankyou in advance for your help.

I Would just ignore see what thay send next...........

[originalmissy]

Hi, I have been dealing with this one using the templates etc so far, however, their latest response has lost me and I'm hoping some one can help.
This is the story so far.
The original debt was a business credit card, (business has ceased), last payment was made in early 2010, there was only sporadic communication from Cabot, which was ignored untill Jan 2012 when they said 'Your account has been escalated to our pre litigation department' this was when I asked for the CCA. Details below.

23.1.12 Cca req sent to Cabot

24.1.12 Letter from Cabot returning fee and stating they will retrieve docs which they anticipate will be within 12 days.

9.2.12 Letter from Cabot stating the original lender is experiencing a delay in getting the docs, we remind you the debt is still legally due etc etc.

2.3.12 Letter from Cabot giving signed app form and statements and asking for payment.

14.3.12 CCA query application form rec’d letter to Cabot

This is the latest letter which I am unsure of what response I should send.

11.5.12 Response recieved. I have only given the important parts rather than the whole letter.

They say that the information they have provided goes beyond the definition of a 'true copy' because they have sent a photocopy of a credit agreement which I signed, they didn't, they sent an application form!
They say it is not their normal practice to recontruct credit agreements, they back this up by quoting Section 61 And Section 189(4) of the CCA.

The letter itself is dated 27th March 2012 and towards the end demands contact is made within 14 days!

Thankyou in advance for your help.