Hi Jed. Ha ha. Sorry for laughing(no i`m not). Just had a letter from those nice people at Capquest. They have told me that they are now taking my account off their company system. Please wait until i wipe the tears from my eyes(tears of joy). They say they did not know about the dispute with Cap1. Funny I told them that in my first letter which they chose to ignore. So they have gone from going to put it in the hands of their solicitors to thanking me for trying to resolve the matter. A bit of knowledge goes a long way or perhaps they didn`t want to wait for the reply back from the Financial Ombudsman. Cap1 will have to deal with me themselves if i so choose. Catch you later, Lightningd

Hi Jed. Thanks for reply. This concerns an account with cap1 who brought in capquest to do their dirty work. Already got a letter to post to them mon calling their bluff. Still awaiting reply from citibank having told them of moorcrofts antics. Will keep you informed on both fronts. Regards Lightnind

Hi Jed. Just received letter from capquest saying they will accept reduced figure or start legal action on or around aug 25. As amount now is only £175 from £300 plus, might offer £10 per month or call their bluff. Undecided at present but it would get them off my back. Will report them though to oft &ts. Will also threaten them that if i find they have broken any laws will start legal proceedings against them. True to form got letter today (sat). Catch you later when i have decided. Lightningd

Hi Jed. Quite some time since i have contacted you. Moorcroft seem to have handed things back to Citibank. These sent out documents of t&cs but said due to the act of 1998 they do not have to send a signed & dated copy. Wrote back & basically laughed at them. Catch you later. Lightningd

Hi Dicky just read your reply thread, I got a letter from Capquest on behalf of Cap One. Replied to them that I would not deal with them. This is the third third party C1 have used. Asked them to set up account again themselves but will not. They sent me re- constituted documents out. One is my signature on an application form. Pages of standard t & cs. Also a copy of another document printed on the back of the letter they sent. Since then had letter from C1 saying documents are legal & I can contact FO which I intend to do. Catch you later.

Thanks dick any further info let me know if you can Regards Lightlingd

Anybody had a reconstituted copy of cca instead of original from these companies. Apparrently they can now supply you with one of these & get your details off various correspondence you may have sent them.

Hi Mike latest development is cap1 sent a scanned copy of standard agreement not signed or dated and printed on the back of their letter together with pages of t & cs. They say this is the documentation i asked for and intend to pursue debt. We both know thats not true and i am just waiting of a reply to a letter i sent them previously before i reply back to their latest joke. Catch you later, Lightningd

They should have a cca signed & dated by you. If not how can they prove the alleged debt exists. Also you need to see a statement of accounts to prove how much you owe. No contract no alleged debt. They can say you owe more money than you do. Regards Lightningd

Hi Mike . Do you just want the application form part of it uploaded or all the pages .If its the latter i will get back to you after i copy them to the laptop. Regards Lightningd

I have just been sent a copy of an application form with my signature on it instead of the original cca. They have reconstituted the agreement in a few page printout. They say they are in the process of sending me a copy of the original agreement. Why go through all this instead of sending out a copy of the original agreement unless they dont have it . How can I prove if its enforceable or not. Can anybody clarify the exact wording or conditions. This is from cap1.

Hi Spelunkerer. Got another letter from debitas saying last chance before they hand it over to another company. Probably power2contact who act for them and sent me a letter saying they had handed it back to debitas as they dont get involved in disputes. Lying gets as they will act on debitas`s instructions. They also state that they have not broken the data protection act and can hold my details on file. Again lies as account is in dispute. I have not replied bacxk to either of them. Catch you later

the address for Debitas is - P.O. Box 6459 Nottingham NG2 3FG. Hope this helps you good luck Regards Lightningd

Hi Oily. Last letter from Moorcroft asking me to send £1 to Citibank for copy of agreement. Told them not my responsibility but theirs. They say they have assisted me in every way so Ive told them why havent they complied with my requests. They say they take harrassment & bullying seriously so Ive asked them why they send out threatening letters. Catch you later.

Hi Jed. Just got another letter from moorcrofts compliance dept. They say they have assisted me in every possible way & have once again asked me to send £1 to Citibank for a copy of the original agreement. Told them the onus is on them not me & have no intentions of contacting Citibank. They also say they take harrassment & bullying seriously so I have sent a letter back asking why they send out threatening letters. Told them I now intend to ignore them until I get these documents.