Hello all again.
My wife had a Capital One card in which I asked for a CCA back in May 2009. They sent the application with terms overleaf of which there were none. I put the account into dispute in May of the same year, which I understood at the time would stop interest being added, silly of me I know.
Unfortunately she used the card in July of the same year which would cancel the dispute I would imagine.
I carried on making payments but was getting nowhere as they were still receiving money so it made no difference to them. To move forward I stopped making payments in January 2010.
The account was created at an address we still own, so all correspondence was made at this address, 3 DCA's later and thanks to browsing this site and similar ones all three were unable to find that CCA, an application form yes but the terms overleaf were never added, a newer T&C form was sent but the late payment fine on these were £12, I have from a SAR got evidence of being charged £25.
I have heard nothing until the summer when Cap1 sent a statement and then a letter this weekend dated 19/10/15 that they had sold the account to Caboot Credit Management Group on the 24th of September 2016.
The Cap 1 letter came with a Caboot letter stating that the letter acts? as a Notice of Assigment and they will set a deafult against the account in 30 days.
The Caboot letter looks generic as I have seen tthe same letter on the web. These were sent to our newer address.
1. Are they phising letter to see if we are at this address, should I ignore?
2. If I don't ignore do I send a CCA request to Caboot?
3. Do I also send a SAR to see what they have.
4 As a goodwill gesture I offered Cap1 £3000, this was the amount owed at the time of the dispute minus payments made after and the PPI I would have been owed, will this make a difference, and will the SAR show it?
My wife is worried that they are coming to lock her up . Any delaying tactic used by Caboot will not bother me as the last payment was January 2010, so hopefully it will be SB come this January.
Thanks in advance and sorry if it all looks a bit convoluted
My wife had a Capital One card in which I asked for a CCA back in May 2009. They sent the application with terms overleaf of which there were none. I put the account into dispute in May of the same year, which I understood at the time would stop interest being added, silly of me I know.
Unfortunately she used the card in July of the same year which would cancel the dispute I would imagine.
I carried on making payments but was getting nowhere as they were still receiving money so it made no difference to them. To move forward I stopped making payments in January 2010.
The account was created at an address we still own, so all correspondence was made at this address, 3 DCA's later and thanks to browsing this site and similar ones all three were unable to find that CCA, an application form yes but the terms overleaf were never added, a newer T&C form was sent but the late payment fine on these were £12, I have from a SAR got evidence of being charged £25.
I have heard nothing until the summer when Cap1 sent a statement and then a letter this weekend dated 19/10/15 that they had sold the account to Caboot Credit Management Group on the 24th of September 2016.
The Cap 1 letter came with a Caboot letter stating that the letter acts? as a Notice of Assigment and they will set a deafult against the account in 30 days.
The Caboot letter looks generic as I have seen tthe same letter on the web. These were sent to our newer address.
1. Are they phising letter to see if we are at this address, should I ignore?
2. If I don't ignore do I send a CCA request to Caboot?
3. Do I also send a SAR to see what they have.
4 As a goodwill gesture I offered Cap1 £3000, this was the amount owed at the time of the dispute minus payments made after and the PPI I would have been owed, will this make a difference, and will the SAR show it?
My wife is worried that they are coming to lock her up . Any delaying tactic used by Caboot will not bother me as the last payment was January 2010, so hopefully it will be SB come this January.
Thanks in advance and sorry if it all looks a bit convoluted
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