Is this type of print out a modern day CCA agreement? Signature of customer (Yes box ticked) Date of signature 09/07/2015 Signature on behalf of newday Ltd (Yes boxed ticked) Date of signature 09/07/2015 Customer I P address 10 151 xx xx xx

seems a bit strange as they failed to supply a valid CCA agreement. Can they be asked to do this by an independent arbiter?

I would never be able to pay this in full at mediation though.

This is a well documented as a case. I did not receive a n180 but I did receive Overdales copy to me. Im still getting my head around what I must do and need to work out a good reason for it not being necessary to go to court. Many thanks for your intervention .

Status Summary Claim History DQ sent to you on 13/07/2023 DQ filed by claimant on 13/07/2023 General sanctions order was made on 18/10/2023

The defendant must file the directions questionnaire with the CNBC on or before 7 days from the service of this order. If the defendant does not comply with this notice your defence will automatically be struck out without further order od the court and subject to the claimant having complied with this order, the claimant will be at liberty to enter judgement. A party making such an application must file the application with the CNBC together with any appropriate fee within seven days of service of this order' Dated 18 October 2023

"Capquest Debt Recovery Limited is registered in England and Wales with company number 03772278. Its registered office is Belvedere, 12 Booth Street, Manchester, M2 4AW. "

There are two addresses at the bottom of their letters though. You will know better than I do which address to post the official notification of my current address. 12 Booth Street Manchester M2 4AW The Omnibus building, Lesbourne Road, Reigate, Surrey RH2 7JP

Their actual letter... 21 June 2023 Capquest Dear Overdone 2 Notice of assignment Please read this notice carefully as it contains important information about your account with reference number xxxxxxxxx As of 31 May 2023, your Credit card account (previously between you and Capital One with a reference number of xxxxxxxxxxxxxxxx has been assigned from Capquest Investment to Intrum Poplar designated activity company. On this date all the rights and obligations of Capquest Investments LTD as owner of the debt. Transferred to Intrum Poplar Designated Activity Company.- and the balance on your account was £21xx.xx. Any payment made on the date of assignment have been forwarded to Intrum Poplar Designated Activity Company. At the same time, Intrum Poplar Designated Activity Company decided to appoint Cap Quest Recovery LTD as the administrator of your account. This means that going forward, all communication in relation to this account which you would normally receive from the account owner will come from Cap quest directly. At present your account is being managed by Opus LTD and they will continue to do so until we notify you of any changes to the servicing arrangements. For support with your account please contact Opus LTD. Their contact details are 2nd floor, 15 Meadowbank street, Dumbarton, 0141 428 3990 Cap quest Debt Recovery

Thank you for your information. I take your point thoroughly. I wonder why they have written to me here though. Is it to lure me into a state of false security perhaps?

My new address has obviously been recorded by Cap Quest

I had guessed that they were on their last legs and this is a desperate last-ditch attempt. I can see on my personal level that the CPR is not built for purpose as some items are missing, It is down to me to itemize this and put it in writing for their records. I have previous experience of doing inadequate S.A.R. But that was 15 years ago using C.A.G. I remember that you were on here even that far back so, I thank you for your help.

I don't have many years left to live. They should assess that too.

I understand what you are saying so let me just think. Also, my income and expenditure sheet shows I can only afford one pound a month so it looks pretty much like a lose-lose situation on their side. Surely they take this into account.

accompanying letter reads... 26th July Dear Overdone 2 We have received from the court a copy of your defence from which we note that you have requested the documents to substantiate our clients claim. Please find attached 1 credit agreement 2. Terms and conditions 3. Statements of account 4 Notice of assignment We are still awaiting a copy of the default notice and as soon as this is received we will arrange for this to be forwarded to you. From the documents provided, our client is confident that the sum claimed is properly due and owing. However, in an effort to bring this matter to a swift conclusion, we have been instructed to enter into settlement negotiations. We have therefore been instructed to put forward the following offer of settlement: £1,900.00 in full and final settlement by installments of £50.00 per month or any reasonable installment offer you wish to put forward. This above offer remains open for acceptance until 10 August 2023 Should you be unsure of your position, we would recommend that you seek independent advice from a solicitor of your choice or a citizen's advice bureau. If the above offer is acceptable to you, our client will require the agreement to be formalized by way of a Tomlin Order signed by both parties and filed at court. This will bring the court proceedings to an end and will prevent a County court judgment from being entered against you providing the agreed monthly installments are maintained. The court charges a fee of £108.00 to consider a Tomlin order and this fee will have to be met by you. Please do not hesitate to contact us should you have any queries. Overdales