Capquest Settlement Offer

Sly72

Just some advise On the 3rd July23 I sent  a letter requesting a copy of the CCA, only contact I have had was a letter sending back the £1.00 cheque saying they do not charge for this. 

Today I have received a letter offering me a settlement figure but I need to log onto a portal to view this.

1. Should I ignore and wait to see if I ever get the CCA, not chasing them for it.?
2. If I register and log onto the portal to view offer, would they use this against me implying I then accept the debt is mine.

DjangoUnchained

i would ignore until they provide the CCA, which i bet they can't.

fatbelly

As above. Logging into a portal would not count as an acnowledgement but if there's no cca they should admit unenforceability on that score

When did you last acknowlecdge the debt by payment or in writing?
 

Sly72

fatbelly said:

As above. Logging into a portal would not count as an acnowledgement but if there's no cca they should admit unenforceability on that score

When did you last acknowlecdge the debt by payment or in writing?
 

Debt is a Virgin CC have not paid anything for a year, got default, sold to capquest, first letter ftom them sent CCA July this year.

fatbelly

Ok. Unenforceable under s77-79 cca, until they comply then