Is there a template for asking for the interest to be stopped at all ? I am worried that if I just pay 20 pound they will get heavy handed and turn up on my doorstep. I am going to lose an extra 174 pound due to tax issues so I think I am justified. Should I tell them this figure ?

My next payment is due on 25th April. I pay by Standing Order. If I write to them and tell them I can only afford £20 due to change of circumstances and change the SO then will that be fine. Also I notice I am being charged interest, can I get that stopped at all ?

If I do that what can they do if the do not agree ?

I have never actually sent them an I & E statement. I was advised not to on this board. If I did send when Capquest said they may ask for proof ! Is that allowed. Would I have to include my partners income ? the debt has nothing to do with her ?

They seem to be sending me letters and statements from two locations. I have been paying £120 a month for ages but the last statement states that I am on a £100 pcm agreement. I have also now got to pay some income tax arrears to HMRC which they are collecting via my tax code but it has reduced my income by about £167. Can I use this to ask Capquest to reduce my payments ? Thanks

Just to summarise. I did get the CCA verified I am paying £120 pcm, I have a letter from them dated October 2010 confirmin that I was then paying £100 but it is now £120. The only letter dated in 2009 that HL refer to is the one informing me that they have taken over the loan. As with Citi I have never ignore any letters and always kept in touch.

I have been in agreement with the aboce for a year. This morning I got a letter from HL Legal stating the following; Capquest Debt Recovery has appointed this firm to act in the above matter, following your failure to respond to their letter dated 17 Nov 09. I need to settle in full or provide a satisfactory proposal before 11th Jan otherwise it will go to court. What should I do please ?

So how can I contest the default, do I write to the CRAs explaining what has happened ?

I have posted on the above subject before but now have a question. My loan was with Citifinancial and I got behind. However when I could I paid above the monthly amount. I was constantly in touch via phone with Citi and was told that I was not in default and the arrears would be added to the end of the loan. I then had a letter saying it had been passed to Capquest. It is marked as Defaulted. Am I correct in thinking that before a default is issued you should be sent a letter giving you 28 days to clear the account ? I never received this from Citi. Although I have no proof I certainly would have made contact and tried to resolve the issue before it was defaulted. One other thing that prior to the loan being sold to Capquest, and when I thought I was talking to Citi, a payment I made via debit card showed up as being paid to Capquest. Any advice is welcome.

SARN ? and is there a template - ta

December 09. There are no entries prior to that and the loan was taken out in 2007 ? I CCA's Capquest on 1/12th and they put the account on hold, they then sent me the paperwork on 24/2/2010 and I have since agreed a payment plan. Every entry on the credit file since 12/2009 is a "D". Is that normal ?

The Credit File shows no history of all the payments I did make to Citi. It starts about 8 mths ago as in default, no history prior to that. I kept in touch all the time and was told that I was no in default.

I have just checked my callcredit rating and have a score of 626, is this bad ? It has some defaults against Capquest. As far as I was concerned this account never defaulted when it was with Citifinancial, I missed some payments, and I now have agreed a repayment plan with Capquest, but the last entry for May 2010 is "Default" even though I paid.

What does affect the credit rating then, would be interested to know. Thanks. I have mobile phone accounts, a a mortgage etc, so should I be OK. Anybody advise on this please. Thanks