Many, many thanks for this. I will send the letter out now and will re-post with results.

Can anyone help me?

Well, this is what threw me a bit. It is entitled CCA 1974 etc, it has the names of the parties on it, it does have a right to cancel section in the bottom right corner of the first page, but there is no signature section, it doesn't have my signature on it, and there is no date of agreement being signed or commencing. I'm guessing I should write a letter in response, but I am unsure as to what the letter should contain. The cover letter sent with the above CCA/T&C said that I have til the 12th July (Monday) to reply or pay.

Success at last

I uploaded them to photobucket and then cut & paste the "direct link" from photobucket to the attachment pop-up on here. Is there any other way to enlarge them? How about if I post the direct links?

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OK, here's another attempt at posting a copy of the agreement I have received... fingers crossed

OK, I've been trying for hours to get the copies uploaded. I have tried .bmp and a doc version. When I click the paperclip icon to attach a file I get a pop up window, in which I click the browse button and select the relevant file. The .bmp's are 25mb each, and the .doc version is 27kb in file size. I then click the upload button and a text line is added saying uploading files - please wait. Nothing happens after that, and I have left the window open for hours, closed and re-opened, repeated etc etc Am I doing anything wrong or is there something I'm missing?

Hi all, First, thanks to Mozz1 and Cerberus for getting me started here. I have a 4 debts with 3 creditors, Natwest Bank, Capital One and Capquest. I have no problems in paying these debts, and was on a DMP for all of them. Recently I became unemployed, and Capquest have become rather nasty and keep making unreasonable demands, and so I started researching. More recently, Capital One also transferred my account to Capquest for "management" of my account to the same effect. I have sent the standard CCA letter to Capquest for both accounts, and have received acknowledgements for both. Yesterday I received something by mail for the first accouint, origionally with Marbles. It is a Credit Card agreement, clearly stating "regulated by the CCA1974". It shows my credit limit as zero, and has an expiry date of October 2007. There is no signature of any kind on the agreement, or space to sign for that matter, and no dates other than the expiry date. It does have my name and address printed in section 1 along side Bank of Scotland Plc address. Does anyone have any advice on how to respond to this? I have read so much over the past 24 hours and have only managed to confuse myself further, I don't even know if this is a valid CCA or just a mock up of some kind. Any assistance is greatly appreciated. Many thanks, Revan