I have received a letter from Capital Resolve who have been " asked to contact (my name) and have been provided my address by a Credit Reference Agency through their name and date of birth matching service" I am not aware of any debts in my name but there may be a possibility of a utility bill debt from a property I rent out. I am concerned about how they managed to find my date of birth and address details. What is the first line of action I should take and in which form? e mail? letter?

Hello, I have been ill and 'signed off' since July last year and was made redundant on 3rd October 2014. Capital One PPI only paid for the period of sickness when I was working and are now refusing to continue to pay for the period after as I chose not to sign on. Is this right? can they refuse to pay as I am not signing on even though I am signed off unfit for work?

Good Morning, Just looking for a bit of advice... SSL took over my old Cash Store debt back in Oct approx. I was paying them £5 per month as agreed, then i cancelled Januarys payment as I asked them for the signed agreement from the Cash Store - Which they claim to not have. I've then received a CCJ claim from from Northampton regarding this, which they have also added £35.00 on my debt. Are they able to do this?.... I've no issues paying it as I've got 8 other creditors on repayment plans.

I often sit here and read the posts regarding Lowell, now I have some spare time I thought I would start a thread regarding my current account with them. I hope that it helps others who sit reading without responding with own personal experiences. I really can't remember when I got my first Capital One / Lowell letter as I usually just stick them in the shredder, however I have started to pay more attention now and get my credit file back in working order (work reasons) I have a letter dated the 15th December (LOW101) "We can still help you get your account in order" They say I owe £5XX.XX Looking at my credit file the account was opened in May 2005 however for some reason it only shows on my Noddle report it seems to be missing from Equifax & Credit Expert. Default Date Jan 2010 (on Noddle) by Lowell Credit Limit £500 I couldn't tell you anything about this card, it maybe something the ex used a long long time ago. (on going issues) Should I carry on ignoring them? or should I send a CCA request? Cheers, FlappyMoog

Hi Fellow CAG'ers, In 2001, I entered into a credit card agreement with Capital One. As part of the whole SAR process, I requested a full and legible copy of the agreement I entered into with them. After some time, copies were provided to me that were not countersigned by Cap One. In addition, clearly legible on the form is the box which clearly shows where I ticked "No" against "Please enrol me in Capital One's Payment Protection Scheme". In a way and foolishly on my behalf all of those years back, I was embroiled in a busy business and wasn't one to check statements nor question them. What transpired was that Cap One had been adding Payment Protection insurance charges to my account from 2001. During the recent drive for questioning PPI and its legitimacy, I wrote to Capital One over a number of months only to be fobbed off with the fact that an apparent phone call was made whereby I allegedly requested PPI to be added to my account. Their final letter to me contained the following paragraph: "You have requested a full refund of premiums and interest. Circumstances: You applied for a Capital One credit card account by completed by a postal application on 28 October 2001. At this point you did not indicate that you wanted to purchase optional PPI and as a result it was not applied to your account at this stage. You later purchased the policy during a telephone conversation on 12 November 1999. At the time of purchase you confirmed that you were 39 years of age, earning a salary of (between £27K and £35K(. Therefore we did not identify anything to suggest that you were ineligible for the PPI. Your PPI was cancelled on 18 November 2007. Capital One sole credit card PPI on a non-advised basis, we did not provide advice. PPI was purchased on a non-advised basis, there was no requirement for Capital One to complete a demands and needs statement. It was your responsibility to confirm that the policy was suitable for your needs. Following a complete investigation into your complaint we are confident that the policy was sold appropriately. We believe you were provided with sufficient information to make an informed decision to purchase the policy. As this is the case I will not be looking to refund any of the premiums or associated interest that has been charged to your account. Financial regulations require me to advise you that this is my final response in relation to this matter. However you now have the option to contact the Financial Ombudsman Office within six months from the date of this letter." The question I have, is that I have no recollection of calling and requesting PPI at that stage. Their letter contradicts dates by 2 years in that I took out the credit card in 2001 yet they said I called them and took out PPI 2 years previously in 1999! As Capital One have said I have no other recourse in this matter, am I within my rights to write to them once again, requesting a full copy and SAR and statements along with a copy of the transcript of the alleged telephone call (in verbal form and not written) in order that if I so wished to take the matter further through the small claims court (avoiding the FOS as this seems to be a seamless way of progressing matters listening to other posts along the way). Many Thanks for your patience in listening to my case and hope that someone will be able to point me in the right direction in an attempt to get resolve with Capital One. Keith

For information, they no longer seem to belong to an ATA. Although One Parking Ltd still have logos on the website. http://www.theipc.info/#!aos-members/cv75 http://www.britishparking.co.uk/Approved-Operators

Received this and would just like somebody to cast their eye over it and tell me if it complies with my request or not and if so, does this now mean I now have no option other than paying up? Details have been blocked out. TIA.

hi, just signed up to this amazing resource as i need help with Lowell and Red and will also be helping my mother with her unsecured debts mainly catalogues, and provident loans. ---dealings with capital one---- Last payment: oct 2009 Balance after last payment c3600 Amount demanded c4000 In 2009 i received a letter from cap1 stating times where hard and they needed to up the interest rate. I wanted to see if they could do this so sent a cca request, the agreement received is a one page application, which refers to a section 23 overleaf(i have no idea what was on the back). Letters went back and forth, they saying the agreement sent does comply and me saying i dispute any alleged debt due to a non compliant agreement. Cap1 set the in-house dca's on to me which i replied with the bemused in dispute letter, to which all sent replies sending back to cap1. Lowell made contact in Aug 2014 Shortly after cap1 and lowell send assignment letters Red made contact in Oct 2014 Red's last letter has stated they will be passing my account to Hamptons Legal their pre-litigation dept unless i pay them within 10 days. Please can anyone advise what i should do, i thought about sending a bemused in dispute letter but to who do i send it, and is this the best course of action. thank you.

Hi all, I am new to this site and have been looking through lots of threads which have been really useful but thought I'd post my current issues. My partner and I have recently signed up to Experian and Call credit to see our credit reports and we've vowed to clear up our debts. My report currently shows 3 defaults - it is probably worth noting that the reason behind these was my partner had a motorcycle accident on boxing day 2013 and was unable to work for over 3 months so we had to try to manage on my income and a bit of SSP for him. Obviously, keeping a roof over our heads was priority and I let a few payments slip and have been trying to catch up ever since. Default 1 - Capital One Credit Card £373- passed to Frederickson Int and I have received a letter advising they will offer a discount to settle (no figure mentioned) however the default will only show as partial settlement. Should I accept this (obviously dependent upon figure) or should I try to negotiate. Default 2 - Virgin Mobile - £225 - passed to Moorcroft and I am literally being hounded left right and centre - offered a payment plan of £20 a month which is manageable but I am wondering if it is worth trying to ask for a full and final settlement on this. If so what would be a reasonable starting point and I welcome any advice on how to go about this. Default 3 - Provident - £575.00 - passed to Moorcroft and again I'm being hounded. no offers made yet but I am wondering whether to query my agreement on this. Firstly, I was offered no cooling off period on this agreement, in fact, the day I was given the loan the collector also took money out of it towards my first payment - is this normal? Also, I have not had any correspondence what so ever from Provident the first chase of the debt was Moorcroft. Another funny piece of the puzzle to this, I was called by my collector one day to say she was coming to collect in 30 minutes, I was actually at a friends house and she asked for the address and collected from me at my friends (I was a bit naïve on the phone and was told that I had to pay on that day or it would be passed to debt collectors so I gave her the address.) Now on my credit report, provident have added my friends address as a linked address. I have now made myself a stringent budget to allow more funds to try and clear these quicker but I welcome any advice anyone may have. On another note, my partners credit report is perfect apart from two mail order catalogue accounts that have defaulted - these accounts were opened a few years ago by his mother who has set up a payment plan with a DCA however we wondered if it is at all possible to advise the creditor of the situation and ask them to move the account to his mum's name. Whilst he is obviously cross about this, it is not something he wants to report to the police but the amounts mount to £1800 total and through the payment plan set up will take year (and more years!) to clear.

Sorry to have to use a 'reply' thread but I couldn't see how to start a 'new' topic. I have used the forums previously and have had great success. My wife bought a new car on HP in 2007. Unfortunately, we went through difficult times in 2008 and she defaulted with 'Black Horse'. The car was repossessed. sold and my wife was issued with an invoice for £12k. This was the 'defecit' that Black Horse say they lost. My wife has paid every month towards this debt. The debt has been sold on and sold on again. On 30th December 2014, I checked our credit ratings and my wife's had dropped like a stone. I was staggered to see a new company 'Idem Securities' who now say that she defaulted 'their' agreement and they have placed a new default against her name. The debt was defaulted in March 2009 and should one off (by my reckoning) in March 2015. Idem will not respond to any mails or written communication. The debt is 'defaulted' under the original HP agreement as well as by this new company. What can we do please? Stan

Just had a letter from FOS upholding my claim against Capital One, it was rejected twice by Cap one, saying I had ticked the box therefore I knew what I was buying.... But I work in the public sector with an excellent sick pay scheme, and did 10 years ago when I took out the card. Should be an interesting pay-out, a 2000 limit that over such a long time So don't be put off just keep at them :-D:-D:-D

Hi Please help Capital resolve are threatening me for a debt I had with liquid advance. They have sent a copy of an electronic agreement with yes solutions. I borrowed 260 from liquid advance 18 months ago. Apparently. I thought it was 200. I have made payments of 45 pounds to them via step change and then they gave the debt to capital resolve. I have sent several letters of complaint to capital resolve and also an email stating that I am aware that they have had to report themselves to the FCA etc. I have also told them that I do not acknowledge any debt to yes solutions and to stop harassing me. They want 488 pounds off me. The original debt and capital resolve aren't on any of my credit files at all. I sent a cca and got an unsigned copy of an electronic agreement. Since leaving step change i have paid off over 1700 pounds and got over 6500 written off. I now owe less than 8k for the first time in 11 years. Thanks to all of you

Hello, I am looking for some advice regarding a supposed credit card debt. On the 25th November I had my very first letter from Arrow Global headed "NOTIFICATION OF ACCOUNT TRANSFER TO NEW AGENCY" Original Agreement: Capital One (Europe) Date of Origianl Agreement: 30/9/2004 Date of Transfer to Arrow Global: 25/2/2011 Amount: £1788.39 Basically, transferring the debt to a solicitors company called Shoosmiths This morning, 30/11/2013 I have received a letter from Shoosmiths saying... You owe our client money... If we cannot agree during the next 14 days how you will repay the amount outstanding to Arrow Global Guernsey Ltd, we will issue Court Procedings against you for the full sum outstanding together with legal costs. We will not contact you again to warn you that the proceedings will be issued. After reading a few posts I was about to send a CCA request. But I am pretty sure this might be statute barred? Does sending a CCA mean I have "acknowledged" the debt? Any advice would be greatly appreciated. Thanks!

Hi I was wondering if someone can help please. I have been trying to claim PPI refunds for my loans that I have with the Associates (Capital) Jersey Ltd. They date back as far as December 1999. I have 2 original agreements, and the rest are R62 forms on Associates Capital letter head. The R62 forms were requirements for tax returns in Jersey. They quote the associates account number and the amount of interest paid for that year. I have been sending letters for the past 2 years and have had no luck whatsoever. I believe The Associates were taken over in 2001 by Citi Financial Europe PLC, and therefore would have taken over their loan book at this date. I even have a letter from CitiFinancial (Jersey) Ltd which quotes the associates account number. This was dated February 2004 Citi Financial say they can't find my details. On several occasions I have sent them passports, bank statements etc proving my name and address. I have also requested information from them about my accounts by providing all of my addresses I lived at in Jersey. I have rung the only number that seems to be provided and end up talking to a call centre in the Philippines who say they can't put me through to anyone and to write a letter. I have written several and I am just not getting a conclusive outcome. I have also tried emailing the crt email address, and even though the email doesn't bounce back I never get a response I have also tried the Financial ombudsmen and they say they can't help as the loan originated in Jersey even though it was taken over by Citi Financial it is out of their jurisdiction.. I now live in New Zealand so it is now proving a lot harder to communicate. I am thinking about sending a courier to the CEO of Citi Financial because apparently registered delivery you can't trace. It will cost me about GBP30 so I hope this works Any suggestions would be greatly appreciated many thanks Sharon

Hi there I need a bit of help if possible. I came across this forum online and have problwms I have two credit cards aqua and capital one and I owe £220 on the aqua and £330 on the capital one which are both rising with interest and late payments. Both have entered default and it's my fault as I wasn't able to cope with my finances too well (job loss). The late payment and interest make up a chunk of the debts and I would like help and guidance on how to proceed to pay monthly. Should I ring and dicuss with them to set up a plan but I've read in forums you should never ring and only write? Is there a way to remove the excess charges like?

Posting after a friend has sought advice from me. They owed a debt to HFO. No concerns re: PPI or unfair charges, and they were paying it off month by month at an acceptable (to them, and apparently HFO!) sum. They then were in a position to make a full and final offer (after a relative became aware and offered them a capital sum to clear it off, provided it was a full and final settlement, and HFO agreed to make their credit report as 'satisfied') The sum outstanding was in the region of £510, and they settled it with HFO on those (F&F/ marked as settled) terms for £175 in August of this year. They have received a letter from HFO noting it as a full and final (though, they haven't the letter to hand but can 'dig it out' if need be!, which I suspect they may have to). Lo and behold!, they have had a letter from Asset Link Capital (dated early December), that HFO have sold "the account" to Asset Link Capital (No 5) Ltd (ALC5), and that they (ALC5) have appointed Link Financial Outsourcing Ltd ("Link") to amange the account on their behalf. ALC5 are claiming a balance of £335-odd, which equates to the £510-odd less the £175. My friend has phoned (!) ALC5, and informed them that they made a F&F to HFO. ALC5 have told them "all the people you'd need to talk to are busy, but someone will call you back"! They have then let me know of events, and asked for advice. Beyond: A) DCA's lie B) stay off the phone to DCA's, are there any major issues / pointers I can pass on to them? 1) should they have been given a copy of any Deed / Notice of assignment? 2) I take it that once the F&F was accepted, as a full and final, that there was nothing to sell on to ALC5, and that referring ALC5 back to HFO is the way to go? 3) If ALC5 refuse to accept a F&F was made, what is the best way forward? a) Insist "in writing only'? b) Single letter back, stating events and denying any liability to ALC5? c) if ALC5 insist on trying to communicate : tell them "take it to court then, since no payment will be made, and you'll lose in court"?? d) how important / how urgent is it to dig out that letter from HFO (unless it goes to court, where it would no doubt be key, and fatal to any case by ALC5!). Is there any comeback on HFO, or will they claim "admin error" (as usual). Is it worth them SAR'ing either / both of ALC5 or HFO?. Thanks, BazzaS

Hello all I have never posted on this site but often read threads and gained valuable information. I am seeking some advice regarding a letter i received today from Lowell regarding a very old capital one account, I am not exactly sure how old but got to be 5 or 6 years. Basically letter is offering me 75% discount if I pay within 15 days. This account is not showing on any of my credit files (I monitor regularly). I do not want to pay if they are then going to report it to credit file as i have worked hard to sort out old debts. I had a similar offer a few years ago on another account with Lowell and settled but it was pointless as it was a default for £72 and even though i paid it does not which come off until l 2016, I do not want to make the same mistake. Any advice appreciated.

Hi all, I wrote a book last year and it was picked up by a publisher and was published in February of this year 2014 and has been doing pretty well, it is available worldwide. I run a Facebook page which went crazy popular and it has now got over 100,000 likes. It currently has about 125,000 likes. I was approached by a publisher to write a book on the subject of Wicca which I did. I have been on benefits since being made redundant last March 2013. When my book was published I had a case worker who I saw regularly to help me get back into work and I asked her about the book and what I need to do and she said I shouldn't worry it is more a case of paying tax on it at the end of the year as long as my savings or earnings don't go past £6000. Well the book hasn't made £6000 yet I get a monthly payment from the publishers for royalties of the sales and e-book sales, it started out as about £600 but has now whittled down to about £200 a month for the physical book and the e-book versions. . I am also on a work program called A4E which everyone knows about the book I even took a signed copy in for one of the advisers as she was interested in Wicca. I have always been totally open about the book with both the dole and A4E. I often told the person signing me on I had a book and they would say 'Oh good for you I will look it up' and nothing more said. I had a customer compliance interview with the benefits office and they asked to see my bank statements and other relevant information regarding the book which I showed them. The man interviewing me said they would regard the book as capital and didn't even take a photocopy of my bank statements just made a quick note of my earnings from the book. Today when i went to sign there was a garbled letter in the book that said I must fill in a B7 form which is for people who are working part time and to declare any hours worked or pay. The man seemed confused and went to ask the person who put the letter in my signing book, which he says he 'thinks' that is what i need to do, then they couldn't work out what is was i needed to do so they sent me to another woman who then says I need to fill out a B16 for self employment and they have made an appointment for me for Monday. I don't really want to sign or say I am working part time as i am not I am still available for work and am not working for any company, neither do I want to sign that I am self Employed as I am not I do not own a company or work for one I have owned. No one seems to know including myself what is to be done in these circumstances. I have always been told that my book is capital and it can make up to at least £3000 before it affects my benefit. Can anyone help please??

Evening All Received a letter today from Cabot advising they were 'referring' my account to Marlin Financial Services (all very nice at this point ) Now the debt is 464.19 - of which over £250.00 is late charges and interest from when I was unemployed! I plan to CCA them wondered if I should also ask for statements with a view to claiming back some of these charges. I'm also wondering who I CCA. Looking at the letter they don't indicate they have sold the debt to Marlin but Cabot definitely bought it from Capital One - so would I be right in believing Cabot are who I should CCA?

Hello I'm appearing in magistrates court imminently because the now defunct First Capital Connect (FCC) are pursuing prosecution for a failure to produce a valid ticket at Finsbury Park station. I'm pragmatic about this and have attempted to settle with FCC without success, various parts of what happened leading up to the court date make little or no sense.. So here in brief. I travel once or twice monthly from and to Finsbury Park overground station. Travelled to Finsbury Park with valid ticket, exited train on newly built platform which had no ticket barriers unlike the other 4 platforms at the station. Discarded ticket because no barriers to put it in to, walked down two seperate flights of stairs to exit station, one FCC staff member at street entrance to station asks for ticket. I explain I discarded it and offer to go back and get it, staff refuses offer and says I cannot go back to get it. Staff asks for name and address which I give, he verifies it writes out missing ticket pad slip, I ask for copy of missing ticket pad slip, he declines to give me, I ask how can I pay, staff says they will post bill to me (no offer to allow me to pay there and then). FCC send court summons asking for any mitigating circumstances - I reply with above and ask them to check records of purchase for 1.5 hour period on day when I bought ticket, apologise profusely, make clear offer to meet their costs and pay for ticket to bring matter to a close. They write back asking me to contact them in light of my response to resolve matter. I email, telephone and write to the contact info given, after no response I start requesting they call email or write to me. I continue to try to make contact receiving no response for 6 weeks.. Get court summons 9 days before hearing asking court to award for £100 approx and cost of ticket £15 approx, I plead guilty by post outlining the above, apologising and pointing out I just don't want to waste anyones time. Court date passes, I receive letter from court stating they have adjourns matter to allow "prosecution to review", I've heard nothing from the prosecution (FCC ceased trading on 14th September this year) I contacted court to ask if hearing going ahead, they advised me yes and court staff said always best to attend, I will go because I want this matter to end, although I've already pleaded guilty by post and submitted mitigation with the guilty plea. I would laugh if it weren't for the fact this is serious and I respect the law, its stressed me for months and I'm going to court for the first time in my life - I'm no spring chicken. The date of birth on my summons is incorrect, I think this is irrelevant but am no solicitor. What I am keen to know is where the "compulsory ticket area" is at Finsbury Park station and most importantly could anyone give me any pointers on what I should do or say at court. As I've said I was happy enough to pay whatever to make FCC happy and still am, yet I have no means of contacting them since they don't respond to any normal channel and have now ceased to exist. I've been putting off looking at this but it's happening in a couple of days.. Any advice very welcome.

Hi there. I do hope someone could help with good information what to do in my situation. I received court claim almost 4 weeks ago. I submitted the AOS back on 25/9 and therefor now only got 1 more day before at least have to do defend form online. My problem was I have been very ill for last 2 weeks with flu and also going through tooth abscess so really tough times for me. But nevermind I should still have got this sorted before it went so far. I am praying someone of you could help me with some good information on how best to tackle this as I have to submit this form tonight. I will prob not have time to respond before deadline as have work all day today. But hope to respond back on anything here at forum from after 8pm uk time. The claim is as below: Claimant: CABOT FINANCIAL (UK) LIMITED Amount Claimed: 795.32 Court Fee: £60.00 Solicitors Fee: £70.00 Total amount: 925.32 The original debt was to Hitachi Capital after buying computer equipment on credit which was urgent needed at that time last year. But to keep it short I missed the first repayment which ended up in direct debit charges they added also got problems with my bank. But in total within couple months added charges of around £200 I was in dispute and was in contact regular through email pointing out they could not charge these high fees. now instead of a reasonable debt of around £600 has now gone up to £925.32 What can I do now as I know have not got time to send those letters where I can request documents from Cabot. And I also read something else around the internet about sending these forms. I am hoping to get an agreement with Cabot to pay of monthly instalments for original amount owed around £600 do you think that would be possible if I submit my defend part admission? I was thinking to submit that tonight and put information about my dispute with Hitachi Capital. But just very confused now as what can I do to help this situation apart from submit part admission? As its too late to claim back charges from Hitachi? Do I put in defend form that I wish to request cca and cpr request? As I cannot get leter sent to them in time now? Sorry for all these questions and very long thread just very upset about this. Hope someone could shine a light asap would be very much appreciated.

Received a letter a few weeks back from Robinson Way who were chasing a £450 debt for Capital One card that was paid off 7 or 8 years ago and the account was closed. Wrote to Robinson Way saying the account had been paid up and closed many years ago and if there was any arrears then they would be statute barred anyway. Got another letter today from Robinson Way saying that they had "an agreement from November 2012 with Hoist Portfolio Holding Limited" but Robinson Way would be handling the account and an enclosed letter from Robinson Way with their contact details on it. We've never had any contact with Hoist Portfolio Holding Limited but they do share the same address as Robinson Way. Any advice on how to proceed please?

Following on from my PPI claim against CapOne: http://www.consumeractiongroup.co.uk/forum/showthread.php?432249-Hillards-v-Capital-One-PPI When I did the SAR they sent copies of statements showing charges for late payment and overlimit fees. These were from 2002/6 and started at £18 per item, went up to £20 and the last couple (post OFT) were £12. As advised on many threads, these are all unlawful penalties and I am now looking to reclaim them. The total amount of charges is £822.00. The interest rate they applied to my account was 37.30%. I've used FosCISheet v101 to individually enter all the charges taken over the lifetime of the account, put in the interest percentage and it shows me £18,884.16 Compound Interest as at todays date. That's rising by a daily rate of 0.1022%, which is currently £17.15 a day. I've read several threads on here about reclaiming charges but so many of them seem to tail off into nothingness where no action was taken. In my case the court costs to lodge a claim are £610, should CapOne refuse to enter into an agreement when asked to repay, as I fully expect. I'm not afraid to take court action as can be seen by similar requests for repayment of penalty charges: http://www.consumeractiongroup.co.uk/forum/showthread.php?421662-BC-penalty-charges-probably-**WON**-with-compound-interest** - I cannot comment on that apart from referral to the closing comments by Slick132 and http://www.consumeractiongroup.co.uk/forum/showthread.php?421670-Hillards-v-Egg-reclaim-charges-PPI-query - which is in the court stage. As CapOne saw fit to use an APR of 37.3% on my former account I am happy to use that in my claim against them. I have seen notes on other claims that 'Interest in Restitution' should be 29.9%, but can find no information as to why that should be, other than an estimate of how the finanicial institution involved would have benfited from the use of the money in the time they had it. As I have that APR figure in writing, from the SAR, I think it's reasonable that I use it. My formal request for repayment is on it's way to CapOne today, giving them 21 working days in which to respond before issue of a LBA. I've learned that it's best to set a deadline, rather than let these companies decide their own timescales. ;-) If anyone has any pointers to threads about similar claims, Capital One only please, I'd appreciate links. I've tried to find some but got bogged down in the sheer number of accounts with DCA's or where PPI claims are being made.

Ouchie! Looks like DHR are starting to contact customers over the phone about their "loans". Sadly I wasn't having any of it and wish I had recorded the conversation. They confirmed all the details of the loan etc and my Date of Birth... etc Without me even confirming any of it......... ICO & FCA, Here I Come... DPA Breach right there.

Hi I've been having a clear out and came across an old Capital One statement. The statement is from 2000 and I closed the account years ago. Is it possible to claim back mis sold PPI on an account this old? I've probably got no end of charges on this too. I think the account closed in 2006/2007 not 100% Thanks