Hi All, I decided a few months ago that I was going to take the UN route as my creditors wouldnt accept my offers for repayment. Capital one sent me a reconstituted agreement after asking for the CCA and then the first I have heard since then which was about 6 weeks ago is a letter this morning from f.t.c. total credit management saying if no responce is received from me by 11th september then an agent will be despatched to my address. Im crapping myself as my partner has no idea of the amount of debt I have got into, (wrong I know and I hate myself for it but he doesnt deal with stress well and I know this will cause huge problems) I know I can send a letter and tell them 'I dont want to make an appointment so they cant come' But is it worth me sending a SOA and offer them a minimal payment, my source of info is no longer online and Im really stuck with this. Basically it seems Im getting nowhere with the UN route and now that most of my accounts have been taken over by DCA's Im hoping they will be more willing to accept my smaller payments. Can a reconstituted agreement be used in court against me? Are the UN routes being blocked now as I havnt seen much success yet. Thanks to anyone who is reading and could help me out here.

Hi DPick Thanks for your reply, I dont think what I got was a reconstituted agreement, Ive had one of those from another company. It was a double sided a4 piece of paper with some ts&cs but my signiture no where on it. But then I am new to this so maybe thats the term for what I had delivered. I think I will scan what I got sent in reply to my cca request. AM I RIGHT IN THINKING THAT THIS CANNOT GO TO COURT WITHOUT A CCA? And are capquest using tactics to try and get me to pay?

Thanks dx, Your right it is. I panic easily. Would anyone suggest I send in the next letter with regards to unenforcability? As in they havnt provided me with a true copy and it has been 30 days plus and see where it goes from there? Many Thanks

Hi All, Newbie as you can all see. Well I have gone and got myself into a right mess. I thought I could do this on my own but Im going round in circles and Im stressed and scared out of my wits I feel like ending it if it wasnt for my two children. I have a few accounts which Im trying to prove are unenforcable but Ill start at one and work my way through. Ive gone for the unenforcable route as none of the creditors would accept my token payments and it seems everything has gpt out of control. Littlewoods (very) sold a debt to Capquest I requested the CCA in July and approx 3 weeks later they sent me a black non signed agreement back. I was then very poorly with a kidney infection and seeing as I knew they didnt have a signed copy it wasnt a priority to get back to them anyway postie has just been and I have a letter before action from them threatening bailiffs and such if I havnt been in touch by 27th. Are they trying it on or have things changed and can they send bailiffs round even though they dont have cca? What should m next step be? I feel like there is no way out, I have approx £11000 of debt hardly any income and my OH is in the dark about it all. I cant tell him and dont know where to turn. If he finds out were finished but I feel like Im going to have people knocking on the door and I feel sick everytime someone knocks on it. Hope to get to know you all and as Im learing I would love to give back to any newbies that follow. Thanks for reading.

sorry wrong area, excuse me Im new