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Capital One CCA Request

245678

Comments

  • PNPSUKNET
    PNPSUKNET Posts: 4,265 Forumite
    why reck the guys credit file? but agree can get the intrest frozen
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    PNPSUKNET wrote: »
    why reck the guys credit file? but agree can get the intrest frozen


    It doesn't wreck anything! If the lender increases the APR you have a right to pay the debt at the same rate and same frequency at no detriment to yourself (but cannot use the account until the debt is repaid in full).

    Otherwise, all CC's could if they wanted to boost profits just go around adding 10% to every card holder knowing we're screwed couldn't they? If you're unsure of something best check with one of us in the know prior to scaring people away with irrelevant nonsense.... your silly sig says it all....
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • bingy_burge
    bingy_burge Posts: 618 Forumite
    never-in-doubt wrote: »
    Don't start that nonsense again! Its not wriggling out of anything as i've told you on numerous occasions now. If you do not know the law then please shut up - do us a favour! :mad:

    :TI am not looking to start a row I just wondered if the op intended to pay back the debt or was going to try and get it written off.

    I am intitled my opinion much as you yours!

    So don't tell me to shut up you :mad:
  • finshe
    finshe Posts: 94 Forumite
    edited 26 October 2009 at 7:04PM
    bingy_burge wrote: »
    :TI am not looking to start a row I just wondered if the op intended to pay back the debt or was going to try and get it written off.

    I am intitled my opinion much as you yours!

    So don't tell me to shut up you :mad:

    bingy_burge please don't start a shouting match here, this thread is for helping me and others wanting to CCA Request capital one.:money:
  • finshe
    finshe Posts: 94 Forumite
    Update:
    CCA Request was delivered today, so the 12+2 working day countdown begins.
  • finshe
    finshe Posts: 94 Forumite
    Update:
    Received cap1's responce to my cca request and it's just a thank you bla bla bla with a blank credit agreement on the reverse.

    I guess I just sit back and wait for the court threats in-order to cpr them.

    Any thoughts.
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    finshe wrote: »
    Update:
    Received cap1's responce to my cca request and it's just a thank you bla bla bla with a blank credit agreement on the reverse.

    I guess I just sit back and wait for the court threats in-order to cpr them.

    Any thoughts.

    Nope, you simply send off the Dispute letter/s.10 letter found on page 1 here: Unenforceability & Template Letters

    However, you're right that you should ignore them - don't worry about utilising cpr31.16 - thats more of a blind threat unless they start being clever with you of course :D
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • PNPSUKNET
    PNPSUKNET Posts: 4,265 Forumite
    bye bye credit history, no deals for a while with that attitude
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    PNPSUKNET wrote: »
    bye bye credit history, no deals for a while with that attitude

    what are you on about? :confused::confused::confused:
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • bingy_burge
    bingy_burge Posts: 618 Forumite
    Yeh by by credit file!! Up goes everyone elses rates to pay for peoples who don't/can't pay back what the have borrowed.
This discussion has been closed.
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