Hi, I've just received this morning a letter back from Cap 1 saying they are not required to provide their response in affidavit format (Laugh haha!!) But then the letter went on to say that my agreement with Cap 1 is governed by English Law, and that my request for validation of my debt is based on a consumer's rights under United States Law and not English Law, and as a result they are saying it's not relevant to my agreement. Now I'm sure I've already read this somewhere on here, but am I right in saying that they are replying with a load of rubbish trying it on, and to just carry on with letter 3 which is due next week?
All I received was a piece of paper with just an account number and a heading Original Agreemant, then a Consumer Credit Act, copies of statements over the last six years, and lastly just their terms, nothing of what was requested. Thanks