Hello all bare with me as I tell my tale( Or wife's tale). In April 2009 I sent a CCA request to Cap1 disputeing the debt. After no CCA only an application form I put the account into dispute, beliveing that would stop the interest. Unbeknown to me my wife used the card in September 2009 but I was still making monthly payment. At the beginning of January 2010 I wrote to Cap 1 offering a goodwill gesture but accepting no liability to pay-off the balance at a figure from September's balance minus the PPI on it, they refused. In the middle of January 2010 I stopped