misselling and the fos

[pompeyfaith]

Re: misselling and the fos

Fantastic Cappo looks like they are taking you stroke etc into consideration too right too as it can lead to unnecessary stress.

Good Luck and hoping for a swift decision

[cappo]

Re: misselling and the fos

Fantastic Cappo looks like they are taking you stroke etc into consideration too right too as it can lead to unnecessary stress.

Good Luck and hoping for a swift decision

amen to that p.f:beagle:

[cappo]

Re: misselling and the fos

hi ho hi ho it,s off to the fos we go now had a response from morgan stanley aka barclaycard the usual get stuffed letter from barclays so here we go again never mind all the leg works done with cap 1

[Leucareth1971]

Re: misselling and the fos

Good luck Cappo

[cappo]

Re: misselling and the fos

Good luck Cappo

how are yours going now leuc any news?

[Leucareth1971]

Re: misselling and the fos

Nothing yet,waiting on the FOS now with Cap 1 and my Bank Account charges

[dogtired]

Re: misselling and the fos

I had another "final response" from Cabot re Bank of Scotland yesterday.

I have sent a copy to FOS .
Would I be able to claim anything back from Cabot as they now admit that they have been unable to obtain a copy of the original agreement (they have admitted as much).
And double checking fillies did not get anything when I suddenly started getting letters and phone calls from them.

[cappo]

Re: misselling and the fos

I had another "final response" from Cabot re Bank of Scotland yesterday.

I have sent a copy to FOS .
Would I be able to claim anything back from Cabot as they now admit that they have been unable to obtain a copy of the original agreement (they have admitted as much).
And double checking fillies did not get anything when I suddenly started getting letters and phone calls from them.

i don,t know d.t i,d send a p.m to pf, leclerc , exc or ame they might know.:beagle::doggieyes:

[dogtired]

Re: misselling and the fos

Well looks like Cabot are in a corner, posted elsewhere that Adjudicator is now asking them for deed of assignment and original documents from when the "bought" it.
However I doubt very much if they will include the bits when they harassed me and I have double checked that I have never had a deed of assignment for this account from Cabot or original creditor.
Will let you know guys and girls
xx
DT

[cappo]

Re: misselling and the fos

Well looks like Cabot are in a corner, posted elsewhere that Adjudicator is now asking them for deed of assignment and original documents from when the "bought" it.
However I doubt very much if they will include the bits when they harassed me and I have double checked that I have never had a deed of assignment for this account from Cabot or original creditor.
Will let you know guys and girls
xx
DT

well done DT keep at em

[di30]

Re: misselling and the fos

Good luck Dogtired, everything crossed.

[dogtired]

Re: misselling and the fos

Got another letter from FOS.
They enclosed a very dodgy looking assignment letter supposedly from the OC.
The logo is on the wrong side, it does not have address or contact details and the signature bears a strange likeness to one from Cabot that I do have (dated the following day).
It also says "Reproduction of letter sent by Cabot on the top ( did NOT get this) but the FOS says its from O C
When I requested this over a year ago now, they did not or could not supply it but all of a sudden it surfaces when FOS are involved.
Sadly he goes on to say that cannot uphold the complaint, i do have the option to ask it to be reviewed and also take it to court my-self.
I don't want to give up bu OH says he reckons that FOS are "in league" with lenders and collection company's
Very fed up today

[cappo]

Re: misselling and the fos

[quote=dogtired;214060]Got another letter from FOS.
They enclosed a very dodgy looking assignment letter supposedly from the OC.
The logo is on the wrong side, it does not have address or contact details and the signature bears a strange likeness to one from Cabot that I do have (dated the following day).
It also says "Reproduction of letter sent by Cabot on the top ( did NOT get this) but the FOS says its from O C
When I requested this over a year ago now, they did not or could not supply it but all of a sudden it surfaces when FOS are involved.
Sadly he goes on to say that cannot uphold the complaint, i do have the option to ask it to be reviewed and also take it to court my-self.
I don't want to give up bu OH says he reckons that FOS are "in league" with lenders and collection company's
Very fed up today[/quote






For what it,s worth d.t i have had that with a capital one case,got totally blown out of the water i never had any terms and conditions on the card either so you wouid think that was an open and shut case wouid'nt you?,going to ombudsman now but i can see where your coming from,i'd ask for an ombudsmans decision and go from there, i assume when you say you can have complaint reviewed you mean by the ombudsman and it,s been adjudicated already, Stay Strong it's not over yet, you don't lose anything by advancing it to the Ombudsman now

[dogtired]

Re: misselling and the fos

Thanks feeling a BIT more postive today!

[pompeyfaith]

Re: misselling and the fos

Got another letter from FOS.
They enclosed a very dodgy looking assignment letter supposedly from the OC.
The logo is on the wrong side, it does not have address or contact details and the signature bears a strange likeness to one from Cabot that I do have (dated the following day).
It also says "Reproduction of letter sent by Cabot on the top ( did NOT get this) but the FOS says its from O C
When I requested this over a year ago now, they did not or could not supply it but all of a sudden it surfaces when FOS are involved.
Sadly he goes on to say that cannot uphold the complaint, i do have the option to ask it to be reviewed and also take it to court my-self.
I don't want to give up bu OH says he reckons that FOS are "in league" with lenders and collection company's
Very fed up today

Yes progress this claim to the end, an ombudsman is more experienced in these matters indeed many came from the banking industry so know every trick in the book and thus given the right information will investigate further.

So you next step, send of that letter to the FOS requesting the claim be escalated and stating your reasons why.

Good Luck