How to get back on the credit ladder

never-in-doubt

marcellep wrote: »

That's cool.

Ill post them when I am ready and when I have all the docs too

No hurry @ all

Ok mate i'll do them tomorrow night and email you the word docs (just email me cos i lost all my emails :mad:) then I can reply to you.....

So i'll do my bits and send them to you to fill in the personal details.... good man :beer:

If you can be online around 10pm it'd be handy mate cos if i need info then can ask you..... if not no worries, will PM you.

marcellep

never-in-doubt wrote: »

Ok mate i'll do them tomorrow night and email you the word docs (just email me cos i lost all my emails :mad:) then I can reply to you.....

So i'll do my bits and send them to you to fill in the personal details.... good man :beer:

If you can be online around 10pm it'd be handy mate cos if i need info then can ask you..... if not no worries, will PM you.

I have emailed you the documents

I will come online @ 10pm tomorrow. Even if I do not show online, I have this thread on email alert so I get emails direct to mobile and will pop on

never-in-doubt

marcellep wrote: »

I have emailed you the documents

I will come online @ 10pm tomorrow. Even if I do not show online, I have this thread on email alert so I get emails direct to mobile and will pop on

I got them thanks mate - i'll email you if I get them done sooner and post here too

Remember to stay chilled, you hold the trump card - you have followed rules and laws, they have not! :D

May do it when I get back with the dog so you can post tomorrow, i'll see how I feel later mate. Cheers for now.... :beer:

marcellep

never-in-doubt wrote: »

I got them thanks mate - i'll email you if I get them done sooner and post here too

Remember to stay chilled, you hold the trump card - you have followed rules and laws, they have not! :D

May do it when I get back with the dog so you can post tomorrow, i'll see how I feel later mate. Cheers for now.... :beer:

I am chilled now, I have nothing to lose and all to gain so with your continue support I am still fighting

never-in-doubt

marcellep wrote: »

I am chilled now, I have nothing to lose and all to gain so with your continue support I am still fighting

Mate you're going to get £100 out of it for starters - not bad for a few letters (which you never even done hahaha)......

enjoy the buzz knowing you're wasting their time, after all the default drops off in 8 weeks but out of principle, lets get Cap1 done by the authorities! haha - its funny if you ask me!

marcellep

never-in-doubt wrote: »

Mate you're going to get £100 out of it for starters - not bad for a few letters (which you never even done hahaha)......

Thats very true. U did all the work. I hope you like wine :beer:

enjoy the buzz knowing you're wasting their time, after all the default drops off in 8 weeks but out of principle, lets get Cap1 done by the authorities! haha - its funny if you ask me!

8 weeks?

I would love to see Capital get in the sh*t

marcellep

I reiterate, for the final time, either send me a copy of the default notice or remove the entry. As you say yourself, it is due to be removed in November anyway but out of principle I am taking this to the hilt and will succeed in my mission to prove your inability to perform the basic of functions lawfully and in line with regulated guidance; for clarity I have also complained to the ICO & FOS about Capital One.

It's not due to drop off until May 2011

never-in-doubt

marcellep wrote: »

It's not due to drop off until May 2011

ooops sorry someone else lol - got too much going on at once mate! Bad caseload management haha

will do those for you now mate.... can you email me the full address of cap1 i.e. the one that is writing to you please and that guys name plus their phone number, fax number and any email address they may have quoted.... thanks mate

marcellep

never-in-doubt wrote: »

ooops sorry someone else lol - got too much going on at once mate! Bad caseload management haha

will do those for you now mate.... can you email me the full address of cap1 i.e. the one that is writing to you please and that guys name plus their phone number, fax number and any email address they may have quoted.... thanks mate

Email on way to you :beer:

never-in-doubt

For the neutrals; the basis of the ICO complaint contains the details below. This shows how basic the actual complaint is; however don't be fooled - this will actually make the ICO read the supporting documents (basically the previous 3 letters and replies from Cap1) and see that Cap1 have blatantly ignored a lawful request for information (s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit)). As a result they will tell Cap1 off and this will help us to then take that to court - if necessary. All of which help prove they have acted unlawfully.

Capital One registered a default against me and so I queried the legitimacy of the default notice by requesting proof of any notice of assignment and default issuance; i.e. a copy of the default notice.

I reminded them of the law, in particular s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit) which confirms I am entitled to request a copy of my default notice.

I have requested this information on 3 separate occasions recently (excluding 3 previous ones)

Each time Capital One ignore my request and respond with utter nonsense irrelevant to the case

I require sight of alleged default notice to establish authenticity and validity prior to seeking legal enforcement for removal

I have threatened Capital One with Criminal Procedure Rule 31.16 which is full disclosure of requested document but this seems extreme when they could simply send me a copy; after all under HMRC governance they are required to retain such documents for a period of 6 years