Capquest Settlement Offer

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.
I have Dyslexia which is a learning difficulty that primarily affects the skills involved in accurate and fluent word reading and spelling so some post may not make sense.

Comments

  • i would ignore until they provide the CCA, which i bet they can't.
  • fatbelly
    fatbelly Posts: 20,489 Forumite
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    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
    Sly72 Posts: 125 Forumite
    First Post First Anniversary Name Dropper
    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.
    I have Dyslexia which is a learning difficulty that primarily affects the skills involved in accurate and fluent word reading and spelling so some post may not make sense.
  • fatbelly
    fatbelly Posts: 20,489 Forumite
    Name Dropper First Anniversary First Post Cashback Cashier
    Ok. Unenforceable under s77-79 cca, until they comply then
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