Cabot - dodgy documents sent?

[charitynjw]

Re: Cabot - dodgy documents sent?

Well, the box is ticked ('Additional Information' on the above application. Post #12)

[warwick65]

Re: Cabot - dodgy documents sent?

To ask

The addresses quoted, were they right at the time.
I,e on the application form is that your address then
DN same question.
were these sent in response to a S78 request or just a request to prove it

The other question is
Did capital one ever own the monument credit card brand?

[nemesis45]

Re: Cabot - dodgy documents sent?

please see attachment below

Were any terms and conditions supplied with the application form?

nem

[warwick65]

Re: Cabot - dodgy documents sent?

Pharmchick
The reason i asked if it was part of a formative s78 request as opposed to a prove it is, a formative request pubs legal obligations on the creditor which can be used in your defence if not complex with.

The other questions are also important as they may provide evidence that they dont have what is needed.

[pharmchick]

Re: Cabot - dodgy documents sent?

There were two sets of terms of conditions that were sent to me; these were separate from the application form. I have no idea if these were t and c's from the time the account was opened as there are no dates on them.

[pharmchick]

Re: Cabot - dodgy documents sent?

To ask

The addresses quoted, were they right at the time.
I,e on the application form is that your address then
DN same question.
were these sent in response to a S78 request or just a request to prove it

The other question is
Did capital one ever own the monument credit card brand?

The address stated on the application form
was correct at the time. Likewise the address on the DN was correct. All this was sent in response to a "prove it request"
In terms of your last question if capital 1 ever owned the monument card brand, I am not sure but I don't think they are related. Why the question re monument?

[Kati]

Re: Cabot - dodgy documents sent?

Why the question re monument?

the application form you posted up is for a Monument Visa

[MIKE770]

Re: Cabot - dodgy documents sent?

Monument credit card (Raphael Bank) taken over by Barclays if I remember correctly

[Kati]

Re: Cabot - dodgy documents sent?

http://uk.reuters.com/article/uk-bar...53904820070404

Barclays, the bank in talks to buy Dutch rival ABN AMRO, has sold most of its sub-prime credit card unit Monument to U.S. credit card issuer CompuCredit, the firms said on Wednesday.
Credit card arm Barclaycard sold most of Monument's portfolio and associated servicing capabilities to CompuCredit for about 390 million pounds in cash. The gross book value of the business sold is about 490 million pounds, including a tranche of accounts that are in arrears.
Barclaycard will retain a proportion of the Monument portfolio, representing about 130 million pounds of receivables, which are primarily higher quality accounts and will be integrated with the Barclaycard book, the bank said.

Barclays bought Monument from U.S. lender Providian in 2002 for over $600 million.

xx

[warwick65]

Re: Cabot - dodgy documents sent?

the application form you posted up is for a Monument Visa

Thanks Kati

So there seems to be a basic problem here, if indeed the agreement was for a monument credit card which it seems Capital One never owned then Cabot have something of a problem or maybe pharmchick has more than one account with Cabot and has mixed up the two.

Either way Cabot seem rather screwed or so I hope

[Diana M]

Re: Cabot - dodgy documents sent?

should I reply stating the reasons why I am not satisfied with the authenticity of the paperwork they sent me given they included someone else's default notice

I wouldn't tell them what they've got wrong in case they then try to remedy the situation to your disadvantage.

Also it may be immensely satisfying to report someone to the ICO but you need to get your timing right.

You say that they sent you two application forms. Were they both for the Monument account * only one was more fuzzy wuzzy than the other? Or was the second application form for a different account (possibly Capital One)?

Did that letter from Mortimer Clarke threaten legal proceedings if you didn't respond by a specific date (or within a specific number of days) or was it an invitation to complete an I & E Form and make an offer to pay? Check the last paragraph to see if it was a Letter Before Action/Claim in disguise.

Di

* EDIT I can now see the application form was for Capital One not Monument. This has been a red herring

[charitynjw]

Re: Cabot - dodgy documents sent?

2004 agreement.
No prescribed terms?
s127.3 CCA?

[Diana M]

Re: Cabot - dodgy documents sent?

the application form you posted up is for a Monument Visa

I've now had the chance to look at the uploaded application form and it's not for a Monument Visa it's for Capital One.

Next to the PPI tick box it says "Please enrol me in Capital One's Payment Protection Scheme".

Monument Visa is only mentioned in the box "Quick Balance Transfer Form" where the OP was intending to transfer the balance of another credit card (Monument) to the new Capital One credit card.

I hope that clarifies things for everybody

Di

[warwick65]

Re: Cabot - dodgy documents sent?

Sorry folks

I started that particular red herring but am currently unable to view attachments so I can not see why I asked the question.

[pharmchick]

Re: Cabot - dodgy documents sent?

2004 agreement.
No prescribed terms?
s127.3 CCA?

The application form has an illegible section called "Credit Card Account Agreement" just above the signature section (see attachment I uploaded earlier). There is no mention of a credit limit on the form, the interest rates are not legible, no mention of capital 1 address on the form. The separate T and C's attached are not signed and have no date. The interest rates don't seem to match what was stated on the application form.