Unenforceability & Template Letters III

I have 3 defaults on my credit report.

1 is an old defaulted account I had with orange from before 2007.

2 is a default from CapQuest they have been trying to chase me up for old bank charges, pre 2007. The total amount of around £200 is made up purley from charges adding up.

3 is a default from Abbey for the same instance as above, pre 2007 also.

I naively made token payments to each account so they will be on my credit report for another 3 years or so.

Am I wasting my time with CCA requests which I am preparing to send next Monday, 26th April?

My aim is to have the debts prooven as unenforceable and have the defaults removed from my credit report.

Please ask if any other info is needed and I will provide honest and accurate answers.

I have read alot of information about process' and procedures, but am ending up more confused than when I started , which is why I am now asking this question.

All help greatly appreciated, keep up the good work!!

just a wee note to remind people in case they missed it but NID is away for a few days... he has promised he will help as needed on his return.

I suggest everyone has a couple of days off like Niddy - the weather is glorious and the best things in life are free!

Sod the banks for a few days and chill...:beer:

Moobags wrote: »

I know NID is away but I'm hoping someone maybe able to give me some advice

24/03/2010 sent a CCA request to Cap 1 . . . . .no reply
12/04/2010 sent reminder to Cap 1

Today I have had a letter from a DCA . I rang them up and explained the account was in dispute and I had requested a CCA from Cap 1 . The agent I spoke to asked if I denied spending the money on the card and said I had to repay or it was fraud (I admitted to nothing !!)
He said I needed to send another CCA request to them

What should I do next ?

you need to send the prove it letter to the dca, go back to the beginning to go through the templates as they really are fab...

heres the link to what you should send the dca...

http://forums.moneysavingexpert.com/showpost.html?p=30356257&postcount=19

hth

Hi Moobags, just wondered who the DCA is that Cap One have passed it on to? Have had several phone calls today from Fredrickson International (did not answer the calls). They left a message informing me that I have to contact them urgently. Have requested a few CCA's but wondered if the calls was for Crappy One as I sent them the Cease and Desist letter earlier this week. Will wait and see what the post brings.