Thanks for that Shane! No I don't have the account numbers,or any paper work,thats the problem. Any ideas anyone?

Hi, I had a fair few credit cards a few years ago and got into difficulty with them due to a change in my circumstances. I did manage to pay most of them off,however I got charged endlessly for late payments and going over the credit limits. I believe that from reading stuff on this forum that many of the charges were unlawful. My problem is I don't have any paper work relating to these accounts.The accounts are now closed,how could I claim the unfair charges,is there a way,even though I don't have any of the details? Thanks in advance:)

As I have not sent the S.A.R yet to egg,should I not send it and get back to Capquest saying that they have not fullfilled my request for the CCA?

OK, so is there anything I can do about it? Have they failed in terms of the law in providing me with what I asked for?

Sorry to be a pain,but what should I have recieved from capquest when I asked for the CCA? Should there have been anything other than the 2 bits of paper,which I have uploaded on this thread,ie:t&c's or a breakdown of the debt/charges?

Is there anyone that can please help with the issue in my last post?

Thanks to everyone so far! Could someone tell me what I should do though about the fact that they have not sent the T&C's with the CCA Also should they have sent me all the blurb about the PPI that I had and turned out to be bloody useless?

I have not sent the S.A.R to egg yet,I was going to before the end of this week. I don't know what I would get back.I don't really know what I am doing!:-? Someone on here said I should do it as Capquest want just short of 3.5k from me. The original loan was for 5k and I paid it for 3 years.I only stopped paying it when I got sick and could not work.It seems very high the ammount they want,so I was told it would be a good idea to send a S.A.R. to egg. No Capquest did not send the terms and conditions with the CCA.What should I do about that? I did not realize that it was incomplete without the T&C's. I am very confused!

Hi, oneofakind, yes I do have a cca they sent and I think it looks okish! I have uploaded it so anyone who knows can perhaps tell me.:-? Doc2.doc

Hi, Capquest purchased a debt I had with egg,it was a loan from 2001.I asked Capquest for the CCA and they sent it to me although it was late.I was then advised on this forum to send a SAR to egg and to write to Capquest to say that I was in dispute with Egg and therefore to put a hold on the account until it was sorted with Egg. I sent the letter to Capquest by recorded delivery last week and today got this letter in the post from them(please see attached) They have made no acknowledgment of the letter I sent saying I was in dispute with Egg. Some advice would be great,is it normal for them to send these letters? Thanks in advance. Doc1.doc

tHANK YOU CurleyBen,thats helpful. Thanks to veryone thats helping me with this.

Thanks Goldlady! Although I have to say this is all new to me.What to you mean by unlawful charges? Once capquest purchased the debt,what are they allowed to add to it? Also,they did not send any breakdown of the amount that they are requesting from me. I sent the letter to capquest with the £1 requesting the cca on the 21st september 2007,have they broken any laws by taking this long to respond? I sent the letter recorded delivery 1st class?

No It was not a business loan,it was personal.

The monthly payment was £148.52

Here is the cca I have scanned it,hope it works. loan.doc