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I received on 31st October a letter from Shoosmiths Lawyers saying they have been instructed by their client Capquest Investments Ltd were saying I failed to repay the sum of £865.63 and they wanted a proposal for repayment.
''Please treat this letter as notice that, unless an agreement is reached within 14 days of the date of this letter, we are instructed by our client to comment court proceedings against you for the recovery of the sums outstanding.
This means that you may have a court decreed registered against you.
and it goes on..pay to avoid court costs etc.
I replied to them on the 4th Nov.. the following letter :With reference to the above agreement, I require you to supply the following documentation before I will correspond with you further on this matter.
1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement, under the legislation contained within s.78 (1) Consumer Credit Act 1974.
2. A full statement of account.
3. A signed true copy of the deed of assignment of the above referenced agreement that you allege exists.
4. A copy of any other documents referred to in the agreement.
I understand that under the Consumer Credit Act 1974 (Sections 77-79), I are entitled to receive a copy of our credit agreement on request. I enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act. Please note that under no circumstances should this payment be set aside any alleged debt. If you are unable to supply the documentation requested, this fee should be returned.
I understand a copy of our credit agreement should be supplied within 12 working days.
I understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.
I look forward to hearing from you.
I received their reply on 11th Nov
''We refer to the above matter and your letter dated 4th Nov. We have issued your £1.00 cheque (it was a postal order) and requested a copy of the signed Consumer credit agreement as per your request.
Once upon receipt of this document, we shall issue this to you. Please not that our client is under no obligation to provide you with this within 12 working days.
Please not that our client remains keep to set up a payment arrangement with you that is both suitable and affordable for you to maintain. You may wish to contact us on 03700868120 to discuss the matter.
If you need to seek advce, there are a number of agencies listed on the next page of this letter. Organisations such as Citizens Advice Bureau and Step change debt charity can offer services that should not incur any expense.
Yours faithfully.,.
Not really sure what to do now. Any advice please?
''Please treat this letter as notice that, unless an agreement is reached within 14 days of the date of this letter, we are instructed by our client to comment court proceedings against you for the recovery of the sums outstanding.
This means that you may have a court decreed registered against you.
and it goes on..pay to avoid court costs etc.
I replied to them on the 4th Nov.. the following letter :With reference to the above agreement, I require you to supply the following documentation before I will correspond with you further on this matter.
1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement, under the legislation contained within s.78 (1) Consumer Credit Act 1974.
2. A full statement of account.
3. A signed true copy of the deed of assignment of the above referenced agreement that you allege exists.
4. A copy of any other documents referred to in the agreement.
I understand that under the Consumer Credit Act 1974 (Sections 77-79), I are entitled to receive a copy of our credit agreement on request. I enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act. Please note that under no circumstances should this payment be set aside any alleged debt. If you are unable to supply the documentation requested, this fee should be returned.
I understand a copy of our credit agreement should be supplied within 12 working days.
I understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.
I look forward to hearing from you.
I received their reply on 11th Nov
''We refer to the above matter and your letter dated 4th Nov. We have issued your £1.00 cheque (it was a postal order) and requested a copy of the signed Consumer credit agreement as per your request.
Once upon receipt of this document, we shall issue this to you. Please not that our client is under no obligation to provide you with this within 12 working days.
Please not that our client remains keep to set up a payment arrangement with you that is both suitable and affordable for you to maintain. You may wish to contact us on 03700868120 to discuss the matter.
If you need to seek advce, there are a number of agencies listed on the next page of this letter. Organisations such as Citizens Advice Bureau and Step change debt charity can offer services that should not incur any expense.
Yours faithfully.,.
Not really sure what to do now. Any advice please?
