AA99 v Capital One

[AA99]

I was still in bed this morning suffering from ghastly dental surgery yesterday, when my OH answered the door to a Debitas DC. She happened to be a very smart bit of blonde hot-totty driving a silver Mercedes:???: She asked him to confirm his phone number and that's as far as they got before I started bellowing Tell her to go AWAY !

 

This was post #34 in this thread! Seen off Debitas, Power2Contact, but it is CapQuest that have come up with an original signature.......

[beachcomber60]

This was post #34 in this thread! Seen off Debitas, Power2Contact, but it is CapQuest that have come up with an original signature.......

 

AA,

 

Just because it bears your signature doesnt make it enforceable, its like almost every other C1 'agreement' on the forum.

[lexis200]

well if the thought of personal callers does not phase you...

 

inviting them in for a cup of tea or coffee will REALLY unsettle them

 

as you tell them you're not prepared to talk about the case BUT youre lonely and want someone to talk to about your medical problems!!

 

Excellent:D

 

It's the same idea as Derren Brown's way of stopping people sitting next to you on public transport. Don't put bags/coats etc on seats as people can ask you to move them. Instead, if someone comes up to you just give them a great big smile and pat the seat. You won't see them for dust.

 

Of course if it backfires and they do sit down you've got real problems as they're obviously a complete nut job:D

 

AA - I agree with beachy; just because it has your name on it doesn't make it enforceable. It just means they know who the useless bit of paper belongs to;)

[diddydicky]

it says oxo on the sides of buses....... but they dont sell it!

[beachcomber60]

 

AA - I agree with beachy; just because it has your name on it doesn't make it enforceable. It just means they know who the useless bit of paper belongs to;)

 

 

Nice one Lexis

[AA99]

Loving it you guys:DReassuring you're out there:D

 

However, capQuest (I never know where to put the capital letter! Oh, don't tempt me) have given me till 27 June to respond to their LBA. Nicest letter wins 1st Prize :D:D

Edited June 17, 2009 by AA99
no signature.....???

[AA99]

2 Letters today, in the same envelope:shock:, from Crap1 giving notice of assignment to Lowell, and letter from Lowell confirming they've bought it:shock: Don't know who posted it:grin:

[willtheywontthey]

subbing

 

What's the legality of Capital One documents being sent from Leeds Losers - both dated same date and arrive next day (I am psychic!)? That proves it was not a copy from Capital One?? Are eeds Losers /Kuntz allowed to do that??

[willtheywontthey]

Don't know who posted it:grin:

Envelopee had Leeds Losers address at rear?

[AA99]

Yes, return address is Leeds, so they are issuing letters on behalf of each other:eek: Have had this happen with another account as well:eek:

[Curlyben]

*Yawn*

You STILL Pi$$isng about with these Loosers...

 

Will you never learn

[AA99]

*Yawn*

You STILL Pi$$isng about with these Loosers...

 

Will you never learn

 

 

Tell us the quick trick then:eek:

[Curlyben]

Tell them you will sue THEM for the charges etc

They soon run a mile.

[Old Cogger]

Listen to CB he has vast experiance I suggest?????

[Mr lex]

I agree Ben,

 

AA99, If you now send a 'Account in Dispute' letter to Lowell's, along with a copy of Bryan Carter's letter you will find the next down in the food chain will be McHell or Red.

 

This is not about you anymore, it's a tax dodge. Who can write what off against who and write down the price they have paid for the 'dept' against tax.

 

Chin up Girl, your winning, slowly !!

 

Lex

[AA99]

Thank you guys

 

What about 40 recorded calls in 2 months:-?:-?:-?

 

Cap1 were sent in January 2009, CCA request, LBA, and rejection of paltry refund of £20-£12 charges:confused:

 

Surely an 'Account in Dispute' letter will not be strong enough, they know that already! I am happy to sue them for everything and more:mad:

 

Any takers?

[AA99]

Oct 08 - Cap1 acknowledged I&E form from me with offer to repay £20p.m.

Nov 08 - Power2Contact threats

Dec 08 - FPC Debt Collectors threats

Feb 09 - Freds threats

Mar 09 - ICO advised

Apr 09 - Bryan Carter threats

Oct 09 - Lowells

 

It's a bit b*****y much isn't it:eek:

Edited October 15, 2009 by AA99
spelling

[Mr lex]

Yes, it is a bit much, thats the nature of the beast.

 

Now Bryan Carter is out of the frame, this is down to the Leeds lot, until it is past back to Cap1. They will pass it from desk to desk (after all, their all in the same office) hoping you will pay up, and as they become more desperate, so their threats will increase.

 

Ben, if your still about, what do you think ??

 

Lex

[AA99]

Thanks Mr Lex:cool:

 

B E N :shock:

[Mr lex]

I would go with Ben's call, every time. He's my hero as far as DCA's are involved. In particular, now this lot are involved.

 

Lex.

[citizenB]

I would go with Ben's call, every time. He's my hero as far as DCA's are involved. In particular, now this lot are involved.

 

Lex.

 

I'll 2nd that

[AA99]

Tell them you will sue THEM for the charges etc

They soon run a mile.

 

 

How do I do that for starters? Is that the N1 ?

[GhostDebt]

Hi AA99,

Received the same 2xletters in one envelope today as well.

What got me confused though, was they said they sold it to Lowells in January but in May I had Capquest chasing me for it on behalf of Cap1..

If they had sold it, why would they be instructing someone else to collect on it??...

 

Also, in their SAR response they sent me copies of 2 agreements with different dates on, none of the prescribed terms were on the front page with the signatures, but they were on the reverse of the copy.

Does this make it enforceable?

 

Am thinking the same course of action as your looking into is appropriate, what do you think?

 

Regards

[AA99]

Yes GhostDebt! Both mine also state sold on 10 Jan 09 but if you look at my sequence of events and various DCA's handling things:

 

Oct 08 - Cap1 acknowledged I&E form from me with offer to repay £20p.m.

Nov 08 - Power2Contact threats

Dec 08 - FPC Debt Collectors threats

Feb 09 - Freds threats

Mar 09 - Information Commissioners Office advised

Apr 09 - Bryan Carter threats

Oct 09 - Lowells

 

 

Just who the feck are we meant to be dealing with here. What a bunch of illegal operators this lot are!!!!!!!

[GhostDebt]

Wish I knew too, I just keep sending the bemused/dispute letter for the time being as dealing with others as well.

 

Any idea on if the agreement is ok, if the signature is on the front and the prescribed terms on the back?

 

CCA request only produced T&C's and generic docs, but the SAR had agreements in it, so can I still dispute it?

 

Many thanks