Restons Solicitors/Capquest Investments vs ecalid

[ecalid]

Re: Restons Continued...

Ok so here's a little update.

Restons have been in touch finally after realizing that I live at a new address, addressed to my new address.

Basicly the short version is that they dispute my need to require a copy of the credit agreement followed by their unrelenting plea to get me to admit the claim. As they feel my defence will have little success.

They have also sent me transactions on the account from within 3 years, there is numerous payments and adjustments, the last payment they recieved was on the 04/04/14 accompanied by the N9A claim admission form.

They want me to prove that I have sent a credit agreement request to Capquest, so I will copy the letter and scan it with the post office recorded reciept and then reply in due course.

If anybody has any further insight on this matter than please let me know

I have attached the letter:

https://ibb.co/nDBVEv

https://ibb.co/duTMMa

Thanks.

[MIKE770]

Re: Restons Continued...

that will stop them for now no doubt send it Recorded Delivery, Rectums are the pits they try and buy time to wear you down one day can see trouble against these companies and not before time

[Amethyst]

Re: Restons Continued...

Merged threads - reading back the original account was opened in 2012. Just for ref. In your first post you stated it was originally Littlewoods ? is that correct ? and is 2012 correct ?

Did you send back your SAR form to ShopDirect with ID ?

They want me to prove that I have sent a copy of the agreement to Capquest, so I will copy the letter and scan it with the post office recorded reciept and then reply in due course.

Sounds like a plan to me.

[ecalid]

Re: Restons Solicitors/Capquest Investments vs ecalid

FYI: Sorry I c*cked up my previous post, I meant to say that I was going to send a copy of the request letter to capquest to and their reply absent of the agreement. Accompanied by the postal order receipt and the tracking number.

Yes that is correct. Sorry yes it is Littlewoods, Shop Direct is their nerve center I believe.

The SAR is on it's way.

Can somebody help me type up a decent reply to these guys as I feel it would be uncouth to not reciprocate proper etiquette in my correspondence.

[ecalid]

Re: Restons Solicitors/Capquest Investments vs ecalid

Bump

[charitynjw]

Re: Restons Solicitors/Capquest Investments vs ecalid

Basicly the short version is that they dispute my need to require a copy of the credit agreement followed by their unrelenting plea to get me to admit the claim. As they feel my defence will have little success.

They want me to prove that I have sent a credit agreement request to Capquest, so I will copy the letter and scan it with the post office recorded reciept and then reply in due course.

Why get involved in letter tennis?
If it were me I'd just send another CCA s78 request + £1.

[MIKE770]

Re: Restons Solicitors/Capquest Investments vs ecalid

FYI: Sorry I c*cked up my previous post, I meant to say that I was going to send a copy of the request letter to capquest to and their reply absent of the agreement. Accompanied by the postal order receipt and the tracking number.

Yes that is correct. Sorry yes it is Littlewoods, Shop Direct is their nerve center I believe.

The SAR is on it's way.

Can somebody help me type up a decent reply to these guys as I feel it would be uncouth to not reciprocate proper etiquette in my correspondence.

Type up a response = you sure they can read?? anything like me then still awaiting responses from few years ago, seems to be the case where Shop Direct are involved, says it all

[Guest]

Re: Restons Continued...

Thanks for clearing that up guys, as you can probably surmise I am abit naive in this field.

Most people are just beginers to start with, that is why legal beagles is such a useful site.

[Guest]

Re: Restons Continued...

Hi
You have filed your defence but not yet got to Witness Statement stage is that right?

I believe that if it gets that far the court will order disclosure of documents you are to rely on in court along with a WS be filed with all parties by a deadline - normally 14 days before the hearing.

This is where cat and mouse is played as you hope they send you their WS before you have to do yours and vice versa because you can challenge points in it if you see what I mean.

There is a way to go yet before you even get to that stage

One major factor on the (DCA s) side is experierience, most people have just one or maybe two battles with DCA s, companies like Restons have this on a daily basis. That is why Legal Beagles is so helpful, collective experience.

[ecalid]

Re: Restons Solicitors/Capquest Investments vs ecalid

So which is the best course of action do you guys think.

[Amethyst]

Re: Restons Solicitors/Capquest Investments vs ecalid

I'd just do as you first said, reply to Restons saying I sent a CCA request on x date to x address, which they received on x date.... please see copy attached for your records. If it was acknowledged by t'other side, include copy of the response. That's all that is needed. No need to comment on any other parts of their letter.

[ecalid]

Re: Restons Solicitors/Capquest Investments vs ecalid

Right so I sent off the SAR form and a letter to restons reitterating my CCA request that I had sent to Capquest complete with a scan of all receipts and tracking numbers.

I paid the postal order out to the Data protection Unit which was the address that the SAR was to be delivered to, I am certain it will find its way into the right hands?

I've read about the witness statement that I may have to come up against at some point, could somebody fill me in on exactly what this entails and what purpose it serves??

[charitynjw]

Re: Restons Solicitors/Capquest Investments vs ecalid

Right so I sent off the SAR form and a letter to restons

Why?

Did you send back your SAR form to ShopDirect with ID ?

[Amethyst]

Re: Restons Solicitors/Capquest Investments vs ecalid

Sar form went to ShopDirect
Letter went to Restons.

That's fine.

Witness Statement will be later - some examples here - > http://legalbeagles.info/forums/show...ness-Statement .... but basically it will be where you list ( and exhibit/attach) what letters you sent, to whom and when, and any response or lack thereof - to back up your defence and show the court you have tried to find out information to enable you to consider the case.

[ecalid]

Re: Restons Solicitors/Capquest Investments vs ecalid

So just a minor update...

I have recieved a confirmation letter from Restons in regards to the what I assume is the pending CCA request as they mention "once we have recieved the documentation".

Still no sign of any documents I requested through CPR. Should I chase this up or is it even worth it?

Thanks.