Capital 1 CCa request

[Dotty50]

Hi

Had my first response and have attached it with a letter which I plan to send back.

This account is up to date so at the moment they have nothing to worry about!

Any thoughts on the letters would be appreciated.

CAP ONE REPLY - DELETED.pdf

CAPITAL ONE 2ND LTR WITHOUT INFO.doc

[WelshMam2009]

Hi

Had my first response and have attached it with a letter which I plan to send back.

This account is up to date so at the moment they have nothing to worry about!

Any thoughts on the letters would be appreciated.

 

Strange....are you sure there were no transcribed numbers in your original letter Dotty??

 

Crap 1 are just playing games by the seems of it and just want to make your lawful request as hard as possible.

 

They'll probably write back next and tell you that can't process your request because you haven't signed the letter!!

 

EDIT: Just had a thought, is your account number definitely the same as your card number??

[Dotty50]

Hello WelshMam,

 

I only put the last 4 digits on the original letter but as you say, just another delaying tactic.

Will post my reply tomorrow and wait...............................zzzzzzzzzzzzz:rolleyes:

 

Wrote to 5 in total on 29th April but only 1 reply!

 

MBNA x 2 (Virgin & Ex HFC) Halifax and Sainsburys long wait from what I read on so many other threads

[WelshMam2009]

Hello WelshMam,

 

I only put the last 4 digits on the original letter but as you say, just another delaying tactic.

Will post my reply tomorrow and wait...............................zzzzzzzzzzzzz:rolleyes:

 

Wrote to 5 in total on 29th April but only 1 reply!

 

MBNA x 2 (Virgin & Ex HFC) Halifax and Sainsburys long wait from what I read on so many other threads

 

Know that feeling well Dotty!!

 

Sent off for mine in March, still waiting for 2 from MBNA and 1 from Citi. Did have a nice surprise from M&S as they said that couldn't find it!! Ooops!!!

[Dotty50]

Update.

 

As of today no further response from Cap 1 so have sent 'Account in Dispute' letter to them recorded delivery today.

[Dotty50]

Hi All,

 

Had the attached from Cap 1.

 

Nothing to indicate it is my agreement, looks like standard stuff they send out to anyone.

 

Had sent 'Account in dispute' letter the day before so did they just cross in the post or was it an incredibly quick response to this?

 

Now have to consider next step so any thoughts/help would be greatly appreciated.

 

Really want to do F & F letter but looks as though there is more chance of getting to the point where they are likely to offer reduction, if you stop paying!

 

I really didn't want to stop paying due to CRA's as I may have to re-mortgage to sort out my problems.

CAP ONE 2ND REPLY - 29TH MAY - DELETED.pdf

[Dotty50]

Help please.

 

Can I get some assistance to move this into the Cap 1 forum please.

[Dotty50]

Hi Anyone,

 

Is it me or is it a bit quiet around here?

 

Had another, what appears to be standard response today.

 

Don't feel as thought I can face months of letter tennis, so think I may just write and say, "You cannot produce a CCA so let's negotiate a settlement".

 

When you find this site and see how helpful people can be, it gives you a boost to face your problems and try to sort yourself out but after you start the CCA process, I think it's the waiting time that brings you down and when a letter arrives it bring doubt in your mind as to how to proceed.

 

Or should this be my next step?

FORMAL REQUEST FOR INFORMATION

CPR part 31.16

 

This is what they sent.

Edited June 11, 2009 by Dotty50

[exchange]

Hi Dotty50, delete the bar codes and reference numbers from anything you post on here. You never know who's looking.

[IdaInFife]

Hi Dotty,

 

I would go down the cpr route.

 

for ease of reference:

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/173201-why-you-shouldnt-use.html

 

ida x

[Dotty50]

Hi Exchange & Idainfife,

 

Thanks for taking time out for me.

 

Bar code recognition, never thought of that!

 

Should remove and re-post it, how can I do that?

 

Next step, to get CPR letter done.

 

Must get motivated, I want things to happen overnight and realise this is just not going to be!

 

Patience is a virtue!

D50

[Dotty50]

Hi All,

 

Finally got motivated and done CPR letter to go on monday. Should I send my original request for CCA with it?

 

Any help greatly appreciated.

 

D50

[IdaInFife]

no need to send the original cca

 

ida x

[Dotty50]

Hi Ida,

 

Thanks for taking the time to respond.

 

I have sent CPR letter today giving them till 21st July to reply.

[Dotty50]

Delaying tactics?

 

Had a letter from them today asking for the £1.00 fee, as I had sent £1.00 with my original CCA request, didn't think another one needed to be sent.

 

Will send it tomorrow and wait..................................................................................................................................................................................................................

[IdaInFife]

no, cpr does not require a £1 fee.

 

you can either ignore and keep to your timelines or send them a letter stating that the letter is persuant to CPR not cca

 

ida x

[Dotty50]

Thanks again Ida, will probably just send a £1 and ask them to pull their finger out and adhere to my request and stop messing about playing paper tennis!

[Dotty50]

Well back after a couple of weeks and I have received their reply, dated 27th July.

Thankyou for your letter ...................blah blah blah.

 

You requested copies of the executed credit agreement and a statement of your account under section 78 of the Consumer Credit Act 1974.

 

GIVE ME STRENGTH!!!!!!!!!!!!!!!!!!!!!!!!!

[Dotty50]

Hi Anyone,

 

Would the next step be SAR as they have not complied to my CCA request or CPR 31.16

[exchange]

That's what I did and amongst all the paperwork they sent me a copy of my 'agreement' which turned out to me a completely unenforceable application form. So go for it, good luck!

[Dotty50]

Thanks Exchange,

 

Must get cracking this weekend on this and my others, it's so frustrating when they won't reply, you just feel as though you are banging your head against a brick wall!

 

I suppose the only consolation is that by finding this site you realise that you are not alone and help and advice is there for you.

[Dotty50]

Have sent telephone harrassment letter today, they are driving me around the bend now! I don't speak to them, it's just the amount of times they are calling.

 

Found the SAR template just unsure of a few paragraphs in it which don't or I am unsure if they apply.

[Dotty50]

They are calling me at work every day now!!!!

[exchange]

Report them to Ofcom, they are breaking the rules by pestering you at work.

[Dotty50]

Hi,

 

Not had chance to do SAR yet, not enough hours in the day at the moment!

 

Did get this reply to my telephone harassment letter though and they are still calling home and work! Will they never take a hint?

TELEPHONE HARRASSMENT LETTER REPLY - WITH DELETIONS.pdf