The muppet on the other end of the telephone at the bank said it was advisable for me to take it if I wanted the loan on both occassions and if I became unemploymed how would I pay the loan back. I was desperate for the loans at the time and behaviour takes over...

It took them 3 months to respond and I also just put it to one side becuase of other problems at the time.

I sent it to the head office in Edinburgh.

Hi I wonder if anybody can help me. I did a SAR to NatWest bank recently (and they responded despite me not signing the SAR letter). I had a bank loan of £4,000 plus £896 PPI (single premium) in 1997 and a bank loan in 2000 for £10,000 plus ££2,110 PPI (single premium). Am I elegible to claim the PPI back? If so how do I calculate the interest?

I am now completing the OFT complaint form on Capquest... CJT52

Hi All Thanks for the help. Crap Quest wrote back a day after I had sent the 2nd letter recorded delivery to tell me that they were handing my Capital 1 account back to them...I am still payingCapital 1 monthly but want my charges back and an agreed payment plan. What next?

Hi All After sending my second letter back to CapQuest as you suggested I recieved a letter today from them saying: "Please be advised that the above account is in the process of being returned to Capital One..." plus they also enclosed the £1 postal order...a victory I think. They obviously did not have any legal basis for my debt. So I want to thank this website and forum as at one point I was very low with thier phone calls and nasty letters. Sso at least I can now deal with Captial One, as I think 1) I can stop the interest to my debt and 2) get my charges back? I have been paying Capital One £50 per month for the last three months. Any more suggestions for me? Once again, many thanks for your help so far as I feel happy to see off this DCA. CJT52

Hi Thanks for the support and I sent off the letter but today I got a further letter from Cap Quest. In essence they are saying the payments I am making to Capital One are being fowarded on to them (I am paying capital one per month...as my debt advisor said it will stop any court action). Cap Quest then argue that a notice of assignment is not applicable. They want me to pay them directly and have put the account hold for 14 days. They also provided a print off of my payments against a total that goes up with my payments? What is the next step? Still await the the non response of my first request? Then send the dispute letter? What do I do as I do not want to deal with these people. Thanks. CJT52

I have a returned CCA from Crapquest wanting my signature...what response should I send to them...I need a hint of what to put in the response. CJT52

I have a debt with CapitalOne and have been sent numerous letters including the offer of a discount and the the doorstop visit. So I sent CapitalOne the letter re data protection Act and Crap Quest the CCA letter with the £1.00 fee recorded delivery. Six days later they sent the orginal letter and fee back with a letter saying that I needed to sign the orginal CCA letter so that they can foward it on to them to deal with my request. I smell a rat? Any advice as CapitaOne hvae not yet replied. CJT52