Thank you for replying renegadeimp. Have CCa'd the lovelies but received a bog standard reconstituted agreement - no signature/etc.. Is it a next step to sending original catalogue a SAR request? How do i proceed in finding out if these DCA's actually have any documentation to support their 'legal' lies? Thank you.

Hi guys. Catalogue debt (applied online in 2005) of £4000 when defaulted due to personal circumstances in 2013. Been with Capquest since. Was paying after agreement but, after receiving a 'you have not paid we will take you to court' letter 6 months into (the fully honoured by myself) agreement I stopped paying and challenged them. Since then heard nothing until recently. Sent CCA but received a reconstituted agreement (typical no sig/dodgy T&C's). Now debt is showing at more than 5000 than original default sum on credit file! Question: what is my next step? SAR and/or claim charges interest obviously added to the default sum? I f so, how do I go about this and whom do I contact? My hunch is that if Cr$pquest had viable documentation that they would have gone to court before leaving an extended gap between the agreement failing (on their part) and contacting me again after a period of 16 months. Any help gratefully accepted.

Have a £768.23 debt originally from Cap One credit card. Stopped paying when I lost my job. This has been sold to Lowells who have been sending me the usual threatening letters, indispersed with discount offers for a few months now. They have now sent a 'Pre-legal Assessment' letter which informs me that they know I am working, a home owner, and service other debts. They also state that they are willing to accept whatever amount I suggest for a 'repayment plan' but would go down the Court route if they do not hear from me. Advice on how best to proceed would be great as am about to be made redundant in March. Thank you.

Thank you very much - makes for interesting reading...

Thank you all for replying. Dx - no, phone spoof - just caught me when the family were going through a particularly vulnerable time. Will definitely send a SAR off to Very - I bet there are charges a plenty! Should I contact Capquest to remind them that I have a written agreement? Can I complain to any 'official' body regarding their harassment? Family just starting to get back on our feet - really don't want this to be hanging over our heads too. Thank you.

Hi, Have a written payment agreement with Capquest to pay £50 per month for a Very catalogue debt with an outstanding balance of £5472.14 which I have paid faithfully since they purchased the account in October 2013. Out of the blue they have sent me a letter snappily titled 'Letter of claim under the practice Direction - Pre-action Conduct'. Confused and concerned about this and would very much appreciate advice as to how to proceed. Pretty sure the catalogue account is pre 2007. Should i forward a CCA request asap? Should I acknowledge receipt of their latest letter and point out that I have a written repayment agreement with them. Please advice - am very worried about this. Thank you.