MIKE770 v Capital One

[Tools]

Re: MIKE770 v Capital One

Amount owing £4321.91 now, I submitted last week a claim for £!.000+ minus- £xx offered,

Yep, clear as mud lol

[MIKE770]

Re: MIKE770 v Capital One

As you say that will be a paper exercise, would like to concentrate on UCCA basically then if we can get them to admit failure, as is suggested a possible offer although low as funds are dire????:beagle:

[Tools]

Re: MIKE770 v Capital One

I think if both this and WIFES MBNA card are UCA then I think it better to ask the CCA expert ........curleeeeeeeeeeyy

[Curlyben]

Re: MIKE770 v Capital One

Mike, you need to have a read through this thread for starters : ~~~ Consumer Credit Agreements - A Guide ~~~~ inc. Letters - Legal Beagles

Now this is worded and aimed at DCA's, but that's easy to change..

So as ever Cap1 are trying to pull a fast one and hide behind SI 1983/1557, bloody typical really.

[MIKE770]

Re: MIKE770 v Capital One

Letter found ready for despatch??? awaiting o.k.:beagle::beagle:

[MIKE770]

Re: MIKE770 v Capital One

Bump????????:beagle::beagle::beagle:

[Tools]

Re: MIKE770 v Capital One

Looks the part to me. Go for it and see what they come back with.

[MIKE770]

Re: MIKE770 v Capital One

Have sent off letter recorded delivery to-day??????:beagle::beagle:

[Tools]

Re: MIKE770 v Capital One

Are you doing the same for Wifeys MBNA?

[MIKE770]

Re: MIKE770 v Capital One

Will have to find a template similiar but to include non-production or response to CCA request, come back to it later??????:beagle::beagle::beagle:

[MIKE770]

Regarding Cap one credit card charges, received usual template letter - refusing partial settlement as they deem them not unfair bla bla bla, their final response bla bla bla, new signature on their letter a Ruchir Gaur, Executive Office, a note to be made regarding their P.O. Box Numbers, their letter head state P.O. Box 5283, BUT the post office state they do not recognise that number, so would suggest anybody send to 5281 as per their envelope, :beagle::beagle::beagle: Now as working on CCA, - will hold fire on charges reclaim as this is a paper exercise for possible use??????????????????:beagle: Their response was received 03/09/2009.

[MIKE770]

Re: MIKE770 v Capital One

Have sent off letter recorded delivery to-day??????:beagle::beagle:

No reply received to this letter now 08/09/2009 which gave them 7 days to respond to my letter ACCOUNT IN DISPUTE. as no CCA as copy sent not true copy, the complaint is well and truly active. Any ideas curleeeeeyyyyyyyyyyy????:beagle:or should I wait and see what happens next, next payment would be due in a few days??????? but last paragraph states no payments until CCA received??????:beagle::beagle:

[Tools]

Re: MIKE770 v Capital One

If you have stated that you will not make payments until the CCA is received then stick to your word if you are confident they will not be able to supply it.

If you feel they may be able to produce a valid agreement then either continue to make your contractual payments or a reduced "token" payment until such a time as you know for sure.

[MIKE770]

Re: MIKE770 v Capital One

No response to letter of 1st september 2009, but looks like phone calls will start as had one on answer machine yesterday, even after informed all correspondence by letter as per letter of dispute on 1/9/2009.:beagle::beagle::beaglelus some not available number.????

[MIKE770]

Re: MIKE770 v Capital One

Had a letter refering to my payment plan not paid for 1 month, should I send copies of CCA & ACCOUNT IN DISPUTE LETTER also copy of subject request reminder reference CCA not supplied ,although they should combine letters which they obviosly do not, Curllleeeeeeeey?????:beagle:SIGNED by Director of Recoveries no less.