Thanks DeRichleau and Readalot, Sorry I was not clear on this, I just panic and get so wound up and anxious I cant think straight, a side affect of my medication. I am just about to send a subject access request to the HSBC for both accounts as then I would know which I had paid. Also on the current account, there is an entry called HSBC life for £36 every month since the account was opened till it was closed, I dont know what this is. Also if, and (I really think it was a credit card that was paid from the sale of the house as Fredrickson would of not sent the statements for the current account,) could I also claim any charges from the credit card? Lastly is there a subject request template to send to the bank that would fit my circumstances and also something I can send to Fredrickson to slow them up taking me to court? Thanks.

Update Cca request sent, account on hold for 28 days.

Thanks again postggj.

Thanks postggj... Was just cocerned that they may start Court procedings against me, withought any futher letters. Is it best to wait till they reply again and then send a CCA request to them?

Any advice please ?

Not yet, but I may do if nessasary. Thanks

Could I send a CCA request letter to hold them off for a bit, as I only have till wednesday to reply?

Thanks Pat Just thought it may carry some weight if I could prove that others are having the same problems as I am.

Hi Again I received a letter from Capquest on Wednesday saying the account was on hold for 28 days, while they looked in to it. I have just received a letter threatening court action within 5 days. Capquest.pdf How should I proceed to at least stop the bailiffs Knocking on the door? Thanks

Just the sheer amount of reporting the same fault with the product (Laptop). Also laptop manufacturer admitting fault with certain models.

Hi Just a quick question. Is evidence obtained on an internet forum admissible in court, with regards to inherant faults? Thanks

Seems like their being a bit sneaky there, think i`ll wait for them to contact me again. Cheers

Hi I have just recieved this in the post Id.pdf I`m a bit dubious about sending this type of document to them. Will a utility bill not do ?

I have just found some old paperwork that relates to this debt. One letter is from buchanan clark & wells dated 2004 another is from Payplanners dated 2005 and the current one 2009 says "Capquest DEBT recovery has appointed us on behalf of Robinson Way purchased from Cap One" They are all for the same ammount, so I guess that I did not pay any money to the agent at the time, but the 16 digit account number is different on the 2004 one to the 2009 one. I defintely only had one account. Now i`m thinking that I should not send a prove it letter as I seemed to have not made any payments, but maybe a SAR instead. I was also thinking of sending a cca request, but thought it would be wrong to avoid the debt on a technacality if it was unenforcable. The only thing that I can think of to justify the latter is that Capquest is benefiting from Cap One by buying the debt for a pittance. Unfotunately I have no spare money left to pay this in full at the moment as I am still suffering from the affects of my accident and am not working. What do you think is the best way of dealing with this. Thanks again.

Thanks will take your advice and see what happens, will let you know how I get on.