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cap1 card debt & freddies dca


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Hi, I had a Cap One card for a few years, got into difficulty and have since been at war with them trying to recover the debt.


I'm not sure how enforceable the debt is ?

I CCA'd them 16th July 2009, they replied with a blank agreement on the 23rd July 2009.


I then sent them a 'failed to respond to my legal request' letter on the 28th August 09

and they came back with a 'true' copy of what they say is the executed agreement

but is actually the Application Form with my signature on it.


I then wrote on the 30th September 09 again asking for a copy of the credit agreement which bears my signature and never received a response.


They passed the debt to Fredrickson International on 16/10/09 and I have been paying them £20 per month since that time,

only because I'm totally unsure of where I stand on this!


Any advice would be great - thanks :)

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Any idea how much there is in charges on the account ?


Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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I doubt it'll be enforceable from then.

Seems nothing pre mid Capone 05 really was.


You can put the account into dispute and legally stop paying until they provide you with what you want.


They wont be doing much with what they have.


However be careful with Fredricksons, they work hand in hand with the infamous Bryan Carter who is well known for sneaking default ccjs through old addresses etc.


I think you should do some reading up on the subject.


There are templates here, I cant find the ones on CAG.


Appologies for the link, its not spam.



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