Capital One CCA Request

never-in-doubt

bingy_burge wrote: »

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.

Lets not start that again eh? :rolleyes:

I told you in no uncertain terms the last time, that this kind of debt does not affect the rates the average consumer is offered - it is written off against profits thus affecting the bonuses paid to execs - are you happy knowing that they get ridiculous bonuses which you pay for via tax? I'm certainly not, lol

finshe

never-in-doubt wrote: »

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

Thank's never-in-doubt,

Regarding the sending of the dispute letter can i send it now or have i got to wait for the 12+2 to elapse.

I must say you are a credit to Martin's forum, unlike some who just keep putting people like myself down all the time.

3 :beer::beer::beer: FOR never-in-doubt

never-in-doubt

You must wait at least until the 14 days have passed but we always suggest send it a month after.... just to give them time.

finshe

Looking at the dispute letter it states the prescribed terms were not adhered to, the blank agreement they sent me has the APR, a statement saying they will notify me the credit limit, when payments are due etc.

Is it still ok to send the dispute letter.

never-in-doubt

finshe wrote: »

Looking at the dispute letter it states the prescribed terms were not adhered to, the blank agreement they sent me has the APR, a statement saying they will notify me the credit limit, when payments are due etc.

Is it still ok to send the dispute letter.

Yes, you should amend the CCA Dispute letter to suit, so reading (from post 1) what the prescribed terms are and then add the bits that are missing or generalise and say they are not intact.

finshe

I will say they are not intact, i cant believe they get away with sending such generic documents.

finshe

Update:
The 12+2 days end today and the postie had no mail for me so i have sent the account in dispute letter.

I await the signed executed credit agreement and if they dont send it then i cant pay them its the law;).

finshe

Update:
On 21/11/2009 Cap1 have sent me a statement with a £12 default sum added to the balance.

I havent had any letters from Cap1 since i sent the account in dispute letter on the 13/11/2009 which was delivered and signed for.

They have also restricted some access to my online facility and it states they want me to call immediately.

Any thoughts on what i need to do next

bingy_burge

As far as I am aware the are closing this loophole in the meantime I am told by someone who works in finance that pulling the cca unenforcble can damage your ability to get credit in the future.

However I dont see anything wrong with getting the interest frozen.

never-in-doubt

bingy_burge wrote: »

As far as I am aware the are closing this loophole in the meantime I am told by someone who works in finance that pulling the cca unenforcble can damage your ability to get credit in the future.

However I dont see anything wrong with getting the interest frozen.

They are not closing anything! lol - you do speak some rubbish!

It is part of an act, the act that was passed in parliament and trust me unenforceability is here to stay! You're getting confused with one case that was rightfully overturned. Your friend in finance needs a slow hard slap :T