ceylon wrote:finish letter 3 and start with new lot dont bother explaining anything they will not take any notice
Isn't that exactly what you're all doing?? Ignoring default notices and sending bills for, quite frankly, insane amounts of money?
fifer wrote:Cap one have ignored all correspondence have failed to even provide Agreement of which my understanding from correspondence from other credit cards that the debt is now un enforcable if they fail to provide even an Agreement under credit agreement act
If I'm to understand correctly, you're saying the agreement is unenforceable under the Consumer Credit Act 1974. The request for your agreement is governed by sections 77-79 of the CCA1974, especially with regards to unenforceability. But none of these templated letters ask for anything under S78 (which is this situation as it's a credit card, i.e. running-account agreement), so the issue of unenforceability doesn't apply. If you ask for S78, I'm sure they'll provide an S78 response. Well I'd like to think so anyway