Does Anyone Have Capital One Terms And Conditions From 2002 /2001?

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HI DOES ANYONE HAVE CAPITAL ONE BANK CREDIT CARD TERMS AND CONDITIONS FROM 2002? i AM HOPING SOMEONE TOOK OUT AN ACCOUNT IN 2002 WITH THEM AND MAY STILL HAVE THE T & C'S???? EVEN 2001 MAY HELP ME?

THANKS

Comments

  • JulieM
    JulieM Posts: 753 Forumite
    First Post First Anniversary Newshound! I've been Money Tipped!
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    I have a booklet dated 11/00 which gives standards of service for the platinum card. It has a section on t & c, would this be any help?
  • S8NDS
    S8NDS Posts: 26 Forumite
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    Hi julieM

    Yes that would be great.....could you check the section on default noticers for me? How many days did Capital One give you after sending you a default notice, before they inform the credit reference agencies? currently they state that they give you 28 days (after sending you a default notice) to rectify the account and if you dont then they inform the Credit Reference Agencies?

    Please could you have a look then let me know thanks
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
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    S8NDS wrote: »
    Hi julieM

    Yes that would be great.....could you check the section on default noticers for me? How many days did Capital One give you after sending you a default notice, before they inform the credit reference agencies? currently they state that they give you 28 days (after sending you a default notice) to rectify the account and if you dont then they inform the Credit Reference Agencies?

    Please could you have a look then let me know thanks


    Have you defaulted then?
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    6 credit accounts closed in 2010!

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  • S8NDS
    S8NDS Posts: 26 Forumite
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    Have you defaulted then?

    Hi, I am looking into this for my friend he does not recall a default notice, capital one have been unable to provide a copy etc.....but according to legislation they dont have to if there is no debt to pay off. So I think i have found an error they have made regarding time lapse between default notice and actually informing the credit ref agencies.
  • JulieM
    JulieM Posts: 753 Forumite
    First Post First Anniversary Newshound! I've been Money Tipped!
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    I'm afraid there is no reference to this at all, it's just a brief summary at the end of a booklet. Sorry I couldn't help after all.
  • S8NDS
    S8NDS Posts: 26 Forumite
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    Thanks JulieM.....I have managed to find a document from Capital One stating that when you sign up with them you are bound to any changes in t & c's.....I know that in 2004 that point about the default was in there so therefore I should be covered. thanks for your help though x
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