HALIFAX -

4.7.2012 - Letter Robinson Way: Further to your CCA request we now enclose the relevant documents for your immediate attention.
Please note if an original CCA was not available, under the consumer credit Acts a reconstituted copy may be provided.
We need to hear from you with your proposals for settlement of your account, which is long overdue for payment, within 10 days.
NEED TO SENT CCA TO NIDDY -

Sending PT letter anyway!
YORKSHIRE BANK CREDIT CARD / SOLD TO CABOT - Boss said it was

Agreed, see what comes back but as you're paying £1p/m stick to it for the time being, pointless upsetting them.
16 July 2012 - Letter received from Cabot - Your repayments plan has failed - you must contact us urgently.
Your agreed repayment plan has failed as the payment due on the 02/07/2012 has been missed. Failure to contact us to discuss resolution of this debt will result in this account being escalated to our Pre-Litigation Department to consider the most suitable action.
I have paid by SO every month to keep them off my back as we said. The Natwest had issues as we know and I know my payment of £1 went out of my account as it does every month on the 2/7/12 even though I DO NOT have an agreement with them...
Need to know what I can now do? Should I write to them? I do NOT want Court Action with these again!
CAPITAL ONE

19 June 2012 - CapQuest - my account has been put on hold until 2 July while they investigate this matter of CCA.
CCA sent and the Boss said it was

7 July 2012 - Capital One letter
received back saying that they have already previously provided me with a CCA (had 2 off them).. and that I have failed to state why I allege that they Agreement is improperly executed pursuant to Section 61(1) of the Consumer Credit Act 1974 ('the Act'). The Agreement was properly executed pursuant to Section 61(1) of the CCA 1974 ('the ACT') in that the Agreement is:
(a) in the prescribed form and contains all the prescribed terms, conforms to the regulations under section 60(1) of the Act and has been signed in the prescribed manner by the Claimant and Defendant;
(b) embodies all the terms of the agreement, other than implied terms; and
(c) when presented to the debtor was in such a state that all its terms were readily legible.
Its ends with the CCA is EN and they will not enter into further correspondence with me regarding the provision of copy agreements. Your agreement is EN and we will continue to treat it as such and the money is due in full.
Letter from CapQuest: We can confirm we forwarded your previous correspondence to our client and their response is as follows:-
We do not agree that this debt is in dispute, Regulations about credit card disputes are designed to protect customers if they have disputed transactions, such as fraudulent purchases. There are no such transactions on your account. I'm afraid an account is not put in dispute simply by claiming there is an ongoing disagreement.
Its goes on .... basically their agreements are drafted by professionals and are saying the debt is EN and they wont enter into further correspondence and that EN would be better considered by a court.
They wanted to know why I was disputing the EN of this debt? They completely disagree that this is UE!
Is there a reply for this? Not sure what to write as they go into all about the EN debt details of the law, etc....
EGG/Barclaycard

14 July 2012 - Threat by Creditor - Commence Litigation letter sent.
19 July 2012 - received a letter from Credit Solutions with regard to my letter dated 11 July 2012 (above).
They go to say that they take disputes very seriously and they are unaware of any dispute with their client.
In order for us to raise your dispute with our client we require more information regarding your request.
We need to clarify the following:-
- Whether you have or have NOT received any documentation from the client since your request was sent.
- Whether you have paid the statutory fee of £1.00 (your request would not have been processed if this fee was not paid)
Its goes on to say that if I have received the CCA then please note that this fulfils our clients obligation to provide you with copy of agreements/applications under the CCA 1974.
They refute any allegations of harassment or bulling tactics when communicating with you.
They want a reply from me by 1 August as to the documentation from their client.
- What letter can I send next to them please?
MINT

- Passed to Shoosmiths Solicitors
- Asked for CCA 4 times since January 2012, finally received in June 2012 , Mint has said its with the Financial Hardship Department
- Haven't Sent Financial Hardship letter after going through my paperwork! Not 100% sure what I am doing with this!?
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