Capital One cca

mark1966

requested my cca from them last month ,they sent back a piece of paper on 1 side it says what the credit card limit was when i defaulted and in big bold letters "terms of your capital one credit card agreement"

On the other side is loads of info in small letters and i noticed default charges at £12 not £24 as what i have on some statements quite a while ago.

I am sending out 12+2 letter tomorow as it looks nothing like a cca

As anyone else had cap 1 similar letter when requested a true copy of agreement?

regards
Mark

Merlinexcalibur

When did you take the card out? Then I will explain when you reply.

And to answer your other question, that's because it's not a CCA. But without seeing what it looks like can only go on what you said it looks like.

requested my cca from them last month ,they sent back a piece of paper on 1 side it says what the credit card limit was when i defaulted and in big bold letters "terms of your capital one credit card agreement"

Does it say anything else on the letter as this is not explicit so I cannot give an answer based on that. Up to you if you reply BTW, just attempting to help you nothing else But, no not seen one of those letters - there IS, however, a leaflet sounds like what you are describing - and I have been dealing with their correspondence now for a year. Anyway. And I also know sending them a letter as you plan to will do no good. I wouldn't send them that letter, it is up to THEM to supply what you asked and they are perfectly aware of their obligations. Just my take on it, though.

Anyway, as I can see you haven't replied you obviously don't want any assistance from me. So, I won't trouble you any further.

mark1966

Hi mer thanks for reply

card was taken out about 2005 thats why i said charges on this piece of paper were saying £12 for defaults etc

thanks for reply sorry sometimes im away from pc for long times is why i dont always reply sooner but i apreciate your reply

RAS

Crapquest have to provide you with the T&C that relate to the account to which you signed up. If they are referring to £12, the T&Cs you have been sent do not refer to your account.

Does the "CCA" contain all the prescribed terms and your signature?

mark1966

no signature whotsoever ras ,

at the very top of the paper on the opposite side to my address it says
"Between us capital one bank(europe)plc of trent house station street Nottingham NG32 3HX and you the customer named above on the terms and conditions set out below and overleaf.
But the piece of paper looks like its been cut above what ive just said, there is none of my details on this paper

10past6

No highjack intended, I'll delete this when I get a reply

RAS, is your PM box still playing up?

mark1966

when i signed up ras default charges where £24 so i guess they sent me the new ts and cs
as i explained earlier i have statements showing £24 in charges

RAS

One crap crapquest CCA above. From 2003.

Yours look anything like this?

mark1966

nothing like that ras no signature box or date

mark1966

at moment i have no access to scanner but i will scan it tomorow for u to check im pretty certain its just the new tc and cs cos it showing the default charges at £12

RAS

Good post it up, let us see but it sound dodgy at the mo.