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Advice please


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I have recently sent a CCA to Capquest who are collecting an overdraft debt on behalf of RBS. However the O/D is a result of the charges that RBS continued to add whilst I was unwell and the account has not been operational for 4 years.

If Capquest can't supply a CCA then is the 'debt' unenforceable and can I claim back what I have already paid

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