Thanks again i'll try and draft up a letter to capquest and one for OFT, and as always i'll keep you updated ....

Thanks, Should i write a letter at all to cap quest? or just to OFT?

Ok, time for another update... after taking your advice and not responding to their previous letter, i've just recieved another dated 2nd Oct. the letter goes...(its a long one) "Despite our numerous attempts to assist you to find an amicable solution to settle this account, the balance remains unpaid. Our investigations into your current financial position, based on the information we currently hold, are now complete and its unfortunate that we find ourselves preparing a statutory demand under section 268 (1) (a) of the Insolvency Act 1986 which will be completed on or around 15 Oct 09 which will be served upon you. If you do not apply to set aside the demand within 18 days or otherwise deal with the demand as set out in the appropriate notes within the demand, you could be made bankrupt and your property and goods taken away from you. Any application to set aside the demand (form 6.4 in schedule 4 to the insolvency rules 1986) should be made within 18 days from the date of service upon you and be supported by an affidavit (form 6.5 in schedule to those rules) stating the grounds on which the demandshould be set aside. The forms may be attained from the appropriate court when you attend to make the application. Remember : from the date of service of the statutory demand (a) You have only 18 days to apply to the court to hae the demand set aside, and (b) You have 21 days before we may present a bankrupt petition You can stop this by contacting us now on 0870 xxxxxx aAs one last conciliatory gesture we are offering you the opportunity to clear this account once and for all by paying a settlement of 496.85. this is subject to you accepting the offer by 15 Oct 09. This settlement can be over a time period around your circumstances. Alternative propsals will be considered. yours sincerely" Now im a bit worried at all this bankrupt talk, as i have a full time job with wage coming in and im not in any financial difficulty, so i dont know what thier "investigations" tell them...i also dont like the "your property and goods may be taken away from you" what should i do? any ideas? W

Hey guys, Received a response from Capquest this afternoon, it says - "We can confirm that the last payment made to this account was on the 13/5/04. Therefore under the Limitations Act 1980 this account is not statute barred, as a period of five years has not passed." am i missing something obvious...??

Thanks again Letter Printed and will be sent off this afternoon

Morning Guys, Another Update - Received a letter yesterday saying... "We can confirm that the last payment made to this accounts was on 13/5/04. Therefore under Limitations act 1980 this account is not statute barrred, as a period of 6 years or more has not passed." I thought it was 5 years in Scotland? Any advice on next step... W

Hey guys, just an update - I sent the letter away (thanks Ida) on the 19th August recorded delivery, Havent received any reply yet... how long should i wait? Whats my best next move?

Thank yoooou! I'll send that away tomorrow morning (recorded delivery of course) I'll keep you guys updated

also, im almost certain that i would never owe as much as they say i do...is there no way to get a breakdown of what i owe?

There in lies the problem, i have no idea, its around 5 years (ish) but i'm not sure how to find out. Bearing in mind they have now given me till 23rd August to arrange payment

No, no default notice or terminiation notice, havent had any contact from littlewoods in around 5 years,

I Think this is the link/code or possibly this.... W

cant use photobucket at work will upload when i get home...

yeah no probs - image attached (i hope)

Well they sent me a copy of what looks like an application form, dated back in November 2000. has my old adress and my signature, looks like i'm going to have to pay up...

Thanks for the info guys, ida - i sent that letter template to capquest after their letter to me dated 31st July, to which they replied with Littlewoods have sent you the credit agreement on 30th July (which i never received) so i assume capquest dont have much to go on as they are in default of my original request? So i've followed PCP Formulas advice and sent another letter asking for a copy of this undelivered agreement. I'll keep you guys updated

Hey all, just want to say what a great resource this forum is Anyway looking for a bit of advice in dealing with Capquest, the story goes (apoligies in advance if this post is long) I received the 1st letter notifying of debt purchase from Littlewoods on 19th Feb 09 Sent of a letter to capquest recorded delivery on 26th Feb 09 asking for copy of credit agreement and a copy of the deeed of assignment Received 2nd Letter from Capquest on 2nd March 09 with a notice of assignment of the account and saying they would send a copy of agreement and statements when they receive them from their client Recieved a 3rd Letter on 3rd March 09 putting my account on hold for 28 days till the get the relevant info required No correspondence till 31st July I received a letter dated 31st july basicaly saying due to me not dealing with the matter the account will go to pre-litigation system After being slightly angered by this i sent off another recorded deilevery letter referencing my original requests dated 26th February and telling capquest i've had no correspondance from them!! anyhoo got a letter today dated 7th Aug 09 stating a copy of the agreement was sent to me direct from Littlewoods on 30th July 09 Now i have never received this copy of the agreement and its a bit convenient that its dated so close to their current letter and not my original request. also during their correspondance they stated they would forward me the details on the credit agreement... So my question is - whats my next move? i have no copy of this agreement. any letter templates i can borrow... ?