OK Guys! Just an update on this one! NO Court, NO Statutory Demand! It was all a bluff! Capquest still have not sent me a copy of the CCA. All they do is keep sending me letters asking for confirmation of previous address. I, in return, send them a "times up" letter and guess what? They send me another letter asking for confirmation of previous address, round and round it goes! I have told them now to "get stuffed" and I want no further communication from them! They "obviously" DO NOT have the CCA and are stalling! Gary

Thank you very much! I am deeply grateful to you all! I will, of course, keep this post updated! Thanks again! Gary

So, are you saying that I should go and get it set aside asap? Will I also send the "Account In Dispute" letter? I am confused and need someone to advise me what to do! Thanks! Gary Faugh A Ballagh! G/E/A Coy. 3 Royal Irish

According to this:- I am ok! I sent the letter "N" after I recieved this! It says clearly (see HIGHLIGHTED text). Any thoughts on this? Gary

Right! I have just checked it and by all accounts it "is" a Statutory Demand. See scans! Bugger, I thought it was a trick letter because it looked so pathetic, 3 pages and all photocopies. What do I do now? Does the letter "N" I sent them not stop them in their tracks because they have put my account on hold for 28 days? Thanks! Gary P.S. They can bankrupt me if they want, I have nothing of value at all! Heres the scans!

I do not think it was an "official" Statutory Demand as there was no court mentioned and the document just didn't look official. It was sent 2nd class post as well, which made me think it was a trick rather than an official letter. I will check, I am now concerned! Where can I find a template for an "Account In Dispute" letter? Thanks! Gary

Firstly! Brilliant forum! What you guys do for people is outstanding! I have been lurking here and taking some advice from you all recently! I have a LOT of debts from when I got made redundant in 2003 from a £40,000 a year job. Most of them I admit I have dodged because there is no way I could pay! I lived in Scotland and now I am in N. Ireland, (Debts accrued in Scotland). Right! A few of them have caught up with me, CapQuest and Cabot (2 of the nicer ones!). CapQuest were phoning me non stop for the last 6 weeks but I wouldn't confirm my name and address for them and it really annoyed them. I got a letter from them saying that they were Bankrupting me, 18 days blah blah etc. Anyhow, I sent them letter "N" and another one I found here and it has been 4 weeks since I got a letter saying they were putting my account on hold for 28 days while they get my CCA. Then, I got a letter last week asking for me to confirm my address in Scotland to help them locate my CCA, should I ignore them? What should I do now? Do I have to tell them my previous address to help them? They obviously cannot find a CCA, what letter do I send? It has been nearly a month since I sent a letter to them recorded asking for a CCA with a £1 postal order! Any advice is thankfully recieved! Gary