Hi conman,

I've recieved 2 letters today 1 from lowell financial re cap 1 which says:

"Following your recent request to be provided with a copy of the original credit agreement in respect of the Consumer Credit Act I can confirm our client Capital One has requested that your credit agreement be retrieved from archive.

Once your agreement is retrieved you will be required to repay the outstanding balance in full.If deemed necessary, we may initiate legal proceedings which could eventually see your outstanding balance increase due to court costs and interest.

In an attempt to resolve this matter in an amicable way I would like to offer you a settlementto bring this matter to a close.

as long as payment is with us by 29/11/2008 I am willing to accept £613.60 as full and final settlement on your account.

If payment is not recieved within the time we reserve the right to proceed to collect full balance."

and the other letter is for o2 bill.

"we refer to previous correspondence regarding the above debt with Telefonica O2 UK Limitied, and are disappointed to note from our records that the balance remains outstanding.

We are prepared to assist you in clearing this debt by offering you the execeptional opportunity to settle on highly favourable terms.We are willing, without prejudice, to accept £85.34 in full and final settlement of this debt provided this sum is recieved at this office by 04/12/2008."

The original responce from the 1st letter was saying they had returned my file to cap 1 and now they have sent this letter but they had recieved my CCA request on the 17th November and still no sign of CCA, the other 1 has gone to another debt recovery agent and back to this one but I also have a letter to say they have returned the file to O2 now they are making out I have made no contact with them.

What shall i do has they are now out of the 14day period and still no CCA's for both accounts just polite threatening letters.

Please Help!!!!