Capital One CCA Request

never-in-doubt

finshe wrote: »

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

Send this letter: 2. CCA Reminder

RandolphR

I'd be careful in my experience the Credit card provider has unlimited time to get hold of the agreement not 12+2

---

my credit card provider were given 5 months and at least 4 requests... So if they don't repsond it doesn't appear that you can do anything about it. Good Luck anyway

never-in-doubt

RandolphR wrote: »

I'd be careful in my experience the Credit card provider has unlimited time to get hold of the agreement not 12+2

---

my credit card provider were given 5 months and at least 4 requests... So if they don't repsond it doesn't appear that you can do anything about it. Good Luck anyway

No, you used a company that ripped you off. Forget what they told you, it was utter bollox - we've already established that from your last thread. The fact of the matter is that after 12+2 days you can then cease repayment as they have defaulted in the process.

Whether you do or don't is personal choice, relevant dependant upon whether they have already defaulted you or not.

bingy_burge

finshe wrote: »

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

Are you shocked they didnt roll over and send you a nice letter saying that you don't owe them a penny.

People wonder why we are in a recession !!! Because people like you won't/can't repay what youu have borrowed. Unless people learn this can't go on things everyone else will have to suffer. I have one default on my file and I never attempted to avoid repaying my o/d I just wanted to pay it back at an affordable rate.

finshe

never-in-doubt wrote: »

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

:T:rotfl::rotfl:

finshe

I sent of letter 2. CCA REQUEST as you suggested never-in-doubt, and cap1 have also started texting me asking that i call them(i call them all sorts constantly, what could they mean:rotfl:.

Why they just couldnt send a copy of the original agreement or admit they aint got one makes me.:mad:

finshe

Well they are now calling me from the philipines.

I have had 4 calls so far today, they call and say they are eriel calling for cap1 can i speak to so n so. I ask them for there name knowing they wont give it, in the end they just hang up.

I am so glad i managed to log into the cap1 online facility to change my contact phone number to a mobile, i just put the phone on vibrate;).

never-in-doubt

go online again and change it to: 07099890461...

It comes from a list of 'dodgy numbers' and its fun to annoy them with dodgy calls of our own lol

The dodgy numbers so far are:

• 07099871684
• 07099845250
• 07099878879
• 07099871869
• 07099845567
• 07099871165
• 07099890461

finshe

I dont think i will use the dodgy numbers never-in-doubt, they might set the cops on me:eek:.

Cap1 sent a statement today they have added charges of nearly £100 for interest and late payment sum.:mad:

Surely they are breaking some kind of consumer credit licensee laws.

finshe

Update:
Today i received a letter from cap1 stating ''that although not required under Section 78, i am enclosing a true copy of the original executed agreement''.

Also the covering letter said this is there final responce relating to this matter.

What it was is an application form with both signatures but no prescribed terms, the terms and conditions were on 3 seperate 4a sheets.

Does this mean i can now be 100% confident that no enforceable agreement exists as they have stated in the letter that the application form is the agreement.:j:j:j:j:j