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CC debt with cap one,marked settled on my credit file.

Passed to lowells who put a default on my file dated 2 months before the account was started.

It has now been passed to fredricksons to collect,i got a letter yesterday.

 

Is it worth sending a CCA request in light of the current change to stop us challenging unenforceable agreements?

 

This debt is made up of late payment charges too,the thing is it will Statute Barred in july next year,so time is of the essence for them.

 

I'm not really worried about claiming the charges back as they will take it off the outstanding balance on the card.

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Is it worth sending a CCA request in light of the current change to stop us challenging unenforceable agreements?

 

Err - I haven't heard of this - is there a thread somewhere?

 

Thanks,

 

Mike

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Thank you vint,

 

I still have alot to learn,but thanks for clearing that up for me.

 

I got hold of the wrong end of the stick,embarrassed now.

 

So i am going to send that CCA request Off now.

 

Do i send it to freds, lowell or cap one?

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Thank you vint,

 

I still have alot to learn,but thanks for clearing that up for me.

 

I got hold of the wrong end of the stick,embarrassed now.

 

So i am going to send that CCA request Off now.

 

Do i send it to freds, lowell or cap one?

Don't be embarrassed. None of us are experts.

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