Very well said

Hiya all A quick update... Capital One returned all my charges (plus 29.9% interest and court costs)... putting the balance of my card to zero... and the remainder owed to me was sent in a cheque. They are being stubborn about removing the defaults notices sent to credit agencies and haven't budged on that, despite me sending letters and keeping the court claim open. I received the Allocation Questionnaire today and am not sure whether to plod on... or write to the court and say the claim is settled. I would like the defaults removed... but it is not as though I am wanting to get any credit in the near future, so maybe it doesn't really matter??? Bevvyboy - I am not sure whether my CCA was enforceable or not, but I am happy to have the balance down to zero and leave it at that now... so shall not be worrying about that anymore. M x

bump

Hi there I requested the CCA from Lloyds TSB credit card services and sent the 1.00 postal order. They have sent me this big blurb letter full of bumf that I am really not sure about. http://i121.photobucket.com/albums/o217/maxine989/dadstsbresponse025.jpg http://i121.photobucket.com/albums/o217/maxine989/dadstsbresponse026.jpg http://i121.photobucket.com/albums/o217/maxine989/dadstsbresponse027.jpg Also with the letter was pages and pages of terms and conditions and an agreement regulated by the consumer credit act 1974, but not the original agreement from when the account was opened. Scans below: http://i121.photobucket.com/albums/o217/maxine989/dadstsbresponse029.jpg http://i121.photobucket.com/albums/o217/maxine989/dadstsbresponse030.jpg http://i121.photobucket.com/albums/o217/maxine989/dadstsbresponse031.jpg http://i121.photobucket.com/albums/o217/maxine989/dadstsbresponse032.jpg http://i121.photobucket.com/albums/o217/maxine989/dadstsbresponse033.jpg http://i121.photobucket.com/albums/o217/maxine989/dadstsbresponse034.jpg http://i121.photobucket.com/albums/o217/maxine989/dadstsbresponse035.jpg http://i121.photobucket.com/albums/o217/maxine989/dadstsbresponse036.jpg http://i121.photobucket.com/albums/o217/maxine989/dadstsbresponse037.jpg http://i121.photobucket.com/albums/o217/maxine989/dadstsbresponse038.jpg http://i121.photobucket.com/albums/o217/maxine989/dadstsbresponse039.jpg http://i121.photobucket.com/albums/o217/maxine989/dadstsbresponse040.jpg http://i121.photobucket.com/albums/o217/maxine989/dadstsbresponse041.jpg I am not entirely sure what my next course of action should be. Any help or advise would be much appreciated. Thanks T

Hi Yes I have discussed the account being in dispute in my letters and yes there are many past charges on this account that have been added over many many years. (I need to begin a claim for these charges also... as the amount I could claim would probably wipe of the debt completely). I am unsure of what to respond to Barclaycard with? Maybe a SAR which also reminds them that the response they have given me still does not yet comply with my CCA request. I have written to them twice already concerning the CCA request and am unsure how to compile a third letter without looking as though I am just repeating myself. Any help is much appreciated and I am not too familiar with finding my way around the site. Thanks for the advice so far. T

Thanks in advance for any help

I got this letter from Barclaycard in response to my letter to them, asking to see my signed CCA... (after they sent me a non signed agreement) They sent me this: http://i121.photobucket.com/albums/o217/maxine989/dadscca020.jpg http://i121.photobucket.com/albums/o217/maxine989/dadscca021.jpg http://i121.photobucket.com/albums/o217/maxine989/dadscca022.jpg

Thank you all for the info , l have 16k on two cards the original agreements go back over ten years. What do you think of my chances?

Hi thank you all for fantastic postings,l have dedt of 16k on two cards the original agreements go back over 10 years. what do you think of my chances ?

Hi Castlebest, yes have filled in most of form but l was told that under Other Question l should put some sort of statement.

Hi, cant seem to print off statement to attach to other information on N149.Any ideas and anything else i should attach?