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Capital One update
Ok just wanted to let you all know about the latest happenings with regard to my long ongoing battle with Capital One.
I have been asking for a true signed copy of my CCA since Feb 09 to no avail, so I registered by complaint to the FOS. Today I received a letter from the FOS and enclosed in the letter was a signed credit agreement from Capital One!! They have therefore reached the decision that the agreement should be considered enforceable!
My battle with Capital One would now appear to be over and they have won, but I am now very confused as to why time limits and deadlines are there if they do not have to be adhered to and it would seem can not be enforced! Capital One had ample opportunity to supply me with my agreement and refused to do so but at the very last minute upon request of the FOS they have been able to supply the agreement, surely this is not acceptable or is it?
I have been asking for a true signed copy of my CCA since Feb 09 to no avail, so I registered by complaint to the FOS. Today I received a letter from the FOS and enclosed in the letter was a signed credit agreement from Capital One!! They have therefore reached the decision that the agreement should be considered enforceable!
My battle with Capital One would now appear to be over and they have won, but I am now very confused as to why time limits and deadlines are there if they do not have to be adhered to and it would seem can not be enforced! Capital One had ample opportunity to supply me with my agreement and refused to do so but at the very last minute upon request of the FOS they have been able to supply the agreement, surely this is not acceptable or is it?
so just owe them £28 better than £203
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