Calamity Jane v CapitalOne

[calamity jane]

Re: Calamity Jane v CapitalOne

Well took them 2 months but Capital0ne have finally placed a default on my credit file.
Am I bothered? It's not the first and I don't suppose it'll be the last.

[enaid]

Re: Calamity Jane v CapitalOne

So are you still paying them what you agreed?
Did you CCA them?

[calamity jane]

Re: Calamity Jane v CapitalOne

So are you still paying them what you agreed?
Did you CCA them?

Still paying the agreed monthly amount. I haven't requested CCA yet, going to wait and see what happens when they think the payment plan is going to end:grin:

[calamity jane]

Re: Calamity Jane v CapitalOne

Agreement extended for another 5 months at £3.00 a month.

Mind you they have moved the payment date forward by about 9 days and stated that any missed/late payments will invalidate the agreement.



CJ

[MIKE770]

Re: Calamity Jane v CapitalOne

Time to CCA THEM I feel, as you could be being taken for a ride.??????? so let them default themselves, read the threads on the subject.

[calamity jane]

Re: Calamity Jane v CapitalOne

Well it's that time again. Another letter another I/E form to be completed and signed(lol)

Think it's time to work out some figures see what the charges + contractual interest adds up and whether now is the time to hit them with a claim.


CJ

[enaid]

Re: Calamity Jane v CapitalOne

This thread is over 12 months old now CJ I would deffo have a look at the figures see how you fair re reclaiming.
Don't think you will have made a big hole in it lol with what you have been paying but maybe charges plus Ci may just about halve the debt.

[calamity jane]

Re: Calamity Jane v CapitalOne

Don't think you will have made a big hole in it lol Hmph I'll have you know I've paid off £108.00 since 2006 (only another £2700 odd to go) lol. with what you have been paying but maybe charges plus Ci may just about halve the debt.

They did stop adding interest when I entered the payment plan but the charges are all £20 so my next step will depend on how much the figures come to.


If the figure is high enough I'll start a claim, if it's too low, I'll ignore their letter and carry on with my payments and see what happens.



CJ