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Capital One CCA Letter - Help!!
scarednshakin
Posts: 277 Forumite
in Credit cards
Hopefully someone can help with the CCA agreement that Cap One sent out to my OH. We sent out a few and the 12 days + 2 are up on Thursday so far Cap One are the only ones who have replied.
The letter says 'Please find enclosed a copy of your credit agreement as requested. In accordance with section 78 of the Consumer Credit Act 1974 and the Consumer Credit (Cancellation Notices and Copy Documents) Regulations 1983, this is your original agreement, and if any terms have been varied, then the copy agreement will include the updated terms. In additions, your personal details, the signature box, signature and date of signature have been ommitted from the copy provided as permitted under Regulation 3 of the Consumer Credit (Cancellation Notices and Copy Documents) Regulations 1983.'
Then enclosed is there up to date Information leaflet about Cap One credit cards and also a letter with the Terms of your Capital One Credit Card Agreement with the account number and credit limit typed at the top of the page.
Is this what was supposed to be sent out or not as we do not have a clue. Any help would be great, funny my OH has been writing to Cap One for months to try and sort out his debt and Cap One will not reply to his letters as he does not sign them, this is the first time they have actually written to him!!:rolleyes: Did try to put the letter on but computer is playing up at the moment, thanks for reading and hopefully someone can help.
The letter says 'Please find enclosed a copy of your credit agreement as requested. In accordance with section 78 of the Consumer Credit Act 1974 and the Consumer Credit (Cancellation Notices and Copy Documents) Regulations 1983, this is your original agreement, and if any terms have been varied, then the copy agreement will include the updated terms. In additions, your personal details, the signature box, signature and date of signature have been ommitted from the copy provided as permitted under Regulation 3 of the Consumer Credit (Cancellation Notices and Copy Documents) Regulations 1983.'
Then enclosed is there up to date Information leaflet about Cap One credit cards and also a letter with the Terms of your Capital One Credit Card Agreement with the account number and credit limit typed at the top of the page.
Is this what was supposed to be sent out or not as we do not have a clue. Any help would be great, funny my OH has been writing to Cap One for months to try and sort out his debt and Cap One will not reply to his letters as he does not sign them, this is the first time they have actually written to him!!:rolleyes: Did try to put the letter on but computer is playing up at the moment, thanks for reading and hopefully someone can help.
:idea: Had lbm, switched it off too many times. Now am trying to sort my life out :T:T
:T Proud Supporter of Niddy :T
:T Proud Supporter of Niddy :T
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Comments
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Did he spend the money? If so whats to dispute0
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Did he spend the money? If so whats to dispute
The enforceability of the agreement for a start!
OP, have a read of this thread - all letters and info you'll need are here.
http://forums.moneysavingexpert.com/showthread.html?t=1674391
Takes a bit of reading but well worth it if you want to learn the laws of unenforceability and what can and can't be done!
2010 - year of the troll
Niddy - Over & Out :wave:
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Thanks Never-in-Doubt, have started to read the link. Will have a proper read later.:idea: Had lbm, switched it off too many times. Now am trying to sort my life out :T:T
:T Proud Supporter of Niddy :T0 -
scarednshakin wrote: »Thanks Never-in-Doubt, have started to read the link. Will have a proper read later.
If you need specific help post on that thread and we'll look after you
Crapp1 horror story and letter here! ..... #505 2010 - year of the troll
Niddy - Over & Out :wave:
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Cap One will not reply to his letters as he does not sign them, this is the first time they have actually written to him!!:rolleyes:
Why does he not sign them??????????????0
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