Since my last post, I had a letter from the solicitors saying the case had been cancelled, It might be worth calling Acenden and asking to speak to Louise Spencer in complaints, she did listen to me and responded fairly quickly, they are now offering a deal on the fees they wanted to charge, they also know about this website, so keep perservering, dont take no for an answer, I didnt.

I have asked for confirmation in writing and that there will be no solicitors costs to me, as for the 'arrears' I have already had a letter confirming as per terms and conditions and tarif they were entitled to charge them, this was in August when I complained that they were not treating me fairly, I have 6 months to respond to the FOS, not sure what I can do about those, any suggestions gratefully received

Capstone have withdrawn their court case they have just told me, it seems going back to August 2008 I owe in total £127 and as they said quite rightly their 'arrears' were charges, has someone been rattling their cage, I had told them a letter was going into the FOS, thanks for the support site team

January 21st, Capstone are supposed to be calling me back re making a formal complaint yesterday.

I have had Capstone issue proceedings to take me to court for arrears, the majority are their charges which they call arrears, I am in the throes of sending a letter to the FSO, any suggestions ? interest payements due this year £2700.30, actually paid £2355.61, due to income difficulties, wife losing her job etc, have meant most months have been paid late and each month they slam a £115 litigation fee onto arrears, £920 this year, I tried reasoning with them, after making a complaint in August that they were not treating me fairly, it now seems vindictive what they are doing.