They claim I made a payment in 31st October 2010 ( which I despite and my bank can prove ) . They also clai that after the letter I sent ( template letter to dispute debt and claim the debt was statute barred) , they state they DONT have to provide me with a signed copy of the ageeement, as they are only required to provide me with a TRUE COPY OF THE AGREEMENT .
They also state that the contract with capital one was breached 9th January 2911 and that the agreement was terminated .( just to remind you no payments have been proved by shoosmiths and my bank can prove no payment was made in 2010)
Also in their letter they state that proceedings were issued against me on the 6th January 2016 therefor the matter is not statute barred.
I feel they are just harassing me and using information which isn't true and they haven't sent me the proof of which they claim. I'm struggling with this and things are not good for me at the moment as I have been financial hit hard and distressed since undergoing cancer treatment. Nothing like extra stress when your fighting health issues
Any help or advice would be most grateful and thank you for reading