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Can anyone help me?
saraallen
Posts: 2 Newbie
in Credit cards
Hi everyone,
Am looking for some advice on an outstanding credit card payment from 4 years ago!:mad::mad::mad:
6 weeks ago I received a minimal letter from someone asking if I used to live at an address 6 years ago.I thought it was someone trying to pinch my identity, so I called the number and they were a debt collection "trace" agency and demanded a payment of £98.00 over the phone! I flatly refused as I had no idea who they were as the letter didnt say anything about the company!!Thought it was a scam trick!
I asked them to provide evidence, and it has taken them 8 weeks to send me an old Capital One statement. I was under the impression I had cancelled this card in 2004! Looking through the statement I had paid the card in full in April 2004 and there is nothing else on the statement until July 2007 where they have charged me an ANNUAL FEE of £18.00!!! No other Annual fees for 05 and 06???? Wierd!!!
Since I havent lived at the address where the card was registered for 6 years and havent used or been in possesion of any Capital One credit card since 2004, they now tell me I owe £97.39!!!!! The original credit limit was only £200.00 in the first place! Anyone know where I stand with this? Thinking of going to the Ombudsman!
Many thanks Sara:(:(
Am looking for some advice on an outstanding credit card payment from 4 years ago!:mad::mad::mad:
6 weeks ago I received a minimal letter from someone asking if I used to live at an address 6 years ago.I thought it was someone trying to pinch my identity, so I called the number and they were a debt collection "trace" agency and demanded a payment of £98.00 over the phone! I flatly refused as I had no idea who they were as the letter didnt say anything about the company!!Thought it was a scam trick!
I asked them to provide evidence, and it has taken them 8 weeks to send me an old Capital One statement. I was under the impression I had cancelled this card in 2004! Looking through the statement I had paid the card in full in April 2004 and there is nothing else on the statement until July 2007 where they have charged me an ANNUAL FEE of £18.00!!! No other Annual fees for 05 and 06???? Wierd!!!
Since I havent lived at the address where the card was registered for 6 years and havent used or been in possesion of any Capital One credit card since 2004, they now tell me I owe £97.39!!!!! The original credit limit was only £200.00 in the first place! Anyone know where I stand with this? Thinking of going to the Ombudsman!
Many thanks Sara:(:(
0
Comments
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Hi everyone,
Am looking for some advice on an outstanding credit card payment from 4 years ago!:mad::mad::mad:
6 weeks ago I received a minimal letter from someone asking if I used to live at an address 6 years ago.I thought it was someone trying to pinch my identity, so I called the number and they were a debt collection "trace" agency and demanded a payment of £98.00 over the phone! I flatly refused as I had no idea who they were as the letter didnt say anything about the company!!Thought it was a scam trick!
I asked them to provide evidence, and it has taken them 8 weeks to send me an old Capital One statement. I was under the impression I had cancelled this card in 2004! Looking through the statement I had paid the card in full in April 2004 and there is nothing else on the statement until July 2007 where they have charged me an ANNUAL FEE of £18.00!!! No other Annual fees for 05 and 06???? Wierd!!!
Since I havent lived at the address where the card was registered for 6 years and havent used or been in possesion of any Capital One credit card since 2004, they now tell me I owe £97.39!!!!! The original credit limit was only £200.00 in the first place! Anyone know where I stand with this? Thinking of going to the Ombudsman!
Many thanks Sara:(:(
If you last made a payment in July 2004, then legally there is nothing they can do to make you pay. After 6 years it becomes "statute barred" they are breaking the law by even chasing you for it. Do not talk to them on the phone.
Might be a good idea to order a copy of your credit file and see if there is any black marks from capital one against your name for non payment, if there isn't, tell them to get stuffed.
if they keep pestering you, search on here for a statute barred letter, or an unenforceable template.
send them that and it should get them off your backs.0 -
CAN ANYONE HELP PLEASE
UNABLE TO BRING UP NEWSPAPER SUMMARY FOR TO-DAY
i AM A BEGINNER AT THIS TECHNOLOGY0 -
CAN ANYONE HELP PLEASE
UNABLE TO BRING UP NEWSPAPER SUMMARY FOR TO-DAY
i AM A BEGINNER AT THIS TECHNOLOGY
1. Don't write in all capitals, it is difficult to read and interpreted as someone SHOUTING on this type of forum.
2. Don't ask random questions on a thread that is unconnected to what you're asking about, create a new thread in the appropriate forum (this part of the forum is about credit cards).
3. Sorry, I don't understand the question so can't help you with that (maybe ask on the Site Feedback forum here - http://forums.moneysavingexpert.com/forumdisplay.php?f=50)
4. I'll be surprised if you manage to find your way back here to read this reply, but if you do let us know.loose does not rhyme with choose but lose does and is the word you meant to write.0 -
^^^^ :rotfl:
I'm sure it was important to him though....barking"We want the finest wines available to humanity, we want them here, and we want them now!"0 -
I would get your credit report from Experian & Equifax.
Personally I'd recommend paying £2 for the statutory reports rather than the free trials or more expensive ones.
Come back and let us know what they both say about that account.0 -
CAN ANYONE HELP PLEASE
UNABLE TO BRING UP NEWSPAPER SUMMARY FOR TO-DAY
i AM A BEGINNER AT THIS TECHNOLOGY
sorry for capitals& wrong thread not able to find an alternative but not able either to find summary for mon 4/10/2010 which up to now i have enjoyed every day,where can i find help please.
aileen0 -
sorry for capitals& wrong thread not able to find an alternative but not able either to find summary for mon 4/10/2010 which up to now i have enjoyed every day,where can i find help please.
aileen
Is it Discount Codes & Vouchers you are looking for (it would have been easier if you'd made it clear)? If so they are here - http://forums.moneysavingexpert.com/forumdisplay.php?f=38loose does not rhyme with choose but lose does and is the word you meant to write.0 -
Reported spam...Starting Debt: ~£20,000 01/01/2009. DFD: 20/11/2009 :j
Do something amazing. GIVE BLOOD.0 -
Hiya and thanks for you're reply!
I spoke to the debt collecting agency with a few choice words and basically they have said they are not going to persue me and will hand it back over to Capital One! Hopefully wont hear anything more about it! Anyway if they persue me again, I am going to report the debt collecting agency to the office of fair trading for the way in which they got me to contact them falsely and underhandedly!
Anyway, thanks for the advice
Sara0
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