Cougar Financial and Capital One - Debt passed on to DCA - help please

TakingControl

Well the calls were continuing dispite my written request to communicate in writing with me. So I have just printed the harrassment letter off and will send that special delivery at lunch time.

No word from them yet about my CCA request.

TakingControl

:mad: The letter to stop ringing me etc has been delivered and so far today I had 3 calls and 2 text messages. What else can I do other than ignoring these and wait to see a reply to my CCA?

Culex

If you can get the plods interested, so much the better - continued telephoning and text messaging when requested to cease and desist could be an offence contrary to the Protection from Harassment Act 1997.

TakingControl

Day 2 without calls :T No reply to my CCA yet either so as far as I am concerned I am ignoring Cougar for now until they comply and continue to pay Capital1 direct.

When I sent the harrassment by phone letter I also included that I don't wish a door stop visit. Pre-emptied it straight away

TakingControl

I had a letter waiting for me last night which was very polite asking if I need more time to pay and to contact them about my payment proposal. It even went on to say they understand I might not want to call if I feel i am in financial difficulties. Bless them, so understanding GUess my harrassment letter, no rights to visit letter and CCA request has nothing to do with their change in attitude :rotfl:

I noticed they used the £1 postal order to reduce the balance so on the 21st April when it has been 12 days since my CCA request, I feel another letter coming on

TakingControl

ON Thursday it has been 12 working days since my letter requesting a CCA. What would be the next step/letter please?

In the meantime I am ignoring CFS and paying C1 direct.

TakingControl

Thought I give a little update (and hope for others in the same situation that you can beat DCA's).

After the letter about my complaint and Cougar advising me that they have removed my phone number, I have had no further correspondence from them.

I asked for a CCA and Cougar cashed the £1 postal order against the balance (illegal) and the due date for the CCA was the 23/04/2011 (12+2 days). I never had a response to my CCA request and have had so far no correspondence or phone calls from Cougar and I have been paying Capital One direct each month by standing order.

I guess either Cougar have passed my account back or they are just ignoring my request and by doing so have made the account unenforcable for now anyway as they not complied to teh 12 day rule :D

I hope others will take this as a little hope that DCA's are using scare tactics and that if you play them by their own game, you can get some results.

Happy weekend everyone

fermi

Good news for now then.

Especially as you've kept on paying Capital One and have shown good faith by doing that.

TakingControl

Thought I post a little update as it has been a while. I have not received a CCA from CFS but equally had not one call or letter through the door

king100

Sorry are you still paying Cap1? if DCA didnt produce the CCA and those are the people that hold the debt, why dont you canx the payments, stick them in a separate bank account and sit back.If Cap1 contact you ask for the CCA again, money better in your bank account than theirs.Might take 6 months to a year in which you might be able to arrange a F&F.