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Catalogue debt (applied online in 2005) of £4000 when defaulted due to personal circumstances in 2013.
Been with Capquest since.
Was paying after agreement (2014) but, after receiving a 'you have not paid we will take you to court' letter 6 months into (the fully honoured by myself) agreement I stopped paying and challenged them.
Since then heard nothing until recently.
Sent CCA but received a reconstituted agreement (typical no sig/dodgy T&C's/interest rates look incorrect for 2005).
Now debt is showing in excess of £5000 than original default sum on credit file!
Question: what is my next step?
SAR
original creditor and/or claim charges interest obviously added to the default sum? Do I write to the DCA too challenging their copy of CCA or keep quiet? If its best to contact DCA is there a template letter?
My hunch is that if DCA had viable documentation that they would have gone to court before leaving an extended gap between the agreement failing (on their part) and contacting me again after a period of 16 months. Or they have scuppered themselves by agreeing (in writing) a repayment plan with myself, which I adhered to, and then sending a 'pre-court action' letter to me incorrectly citing non-payment.
Any help gratefully accepted.
Many thanks.
Been with Capquest since.
Was paying after agreement (2014) but, after receiving a 'you have not paid we will take you to court' letter 6 months into (the fully honoured by myself) agreement I stopped paying and challenged them.
Since then heard nothing until recently.
Sent CCA but received a reconstituted agreement (typical no sig/dodgy T&C's/interest rates look incorrect for 2005).
Now debt is showing in excess of £5000 than original default sum on credit file!
Question: what is my next step?
SAR
original creditor and/or claim charges interest obviously added to the default sum? Do I write to the DCA too challenging their copy of CCA or keep quiet? If its best to contact DCA is there a template letter?My hunch is that if DCA had viable documentation that they would have gone to court before leaving an extended gap between the agreement failing (on their part) and contacting me again after a period of 16 months. Or they have scuppered themselves by agreeing (in writing) a repayment plan with myself, which I adhered to, and then sending a 'pre-court action' letter to me incorrectly citing non-payment.
Any help gratefully accepted.
Many thanks.
