Help with Capital One

[harrassed senior]

OK, First two rules, don't speak with them on the telephone and do not, at this stage offer any kind of F & F and third, they have no legal right to your income details at all, only a judge can order you provide this to a Court.

 

There are ways of dealing with these people and the help starts here.

[harrassed senior]

Send them a CCA request to see if they are entitled to collect this debt & if it's enforcable. If they fail to provide it within 12+2 days or the CCA is unenforcable you can legally withold any payment until they do. Send it recorded delivery enclosing a £1 postal order. When you get a reply, scan it & remove any identifying details and post it back here where we can have a look at it. We'll advise you from there;

 

[harrassed senior]

With regard to telephone calls send the following:

[harrassed senior]

They are allowed 12 + 2 days to respond, and, if and when they do, post what they supply on this thread after first removing all identifying information including all barcodes etc. From the time you took out this card it is more than likely going to be an Application Form and no more, which is unenforceable in Court.

 

Whilst you are waiting, and once the 14 days are passed, the account will then be officially in dispute and it is entirely up to you whether you want to make payments YOU can afford or decide not to pay at all.

[harrassed senior]

Probably not a lot - they may eventually write back with paperwork they will insist is what you requested, so if they do, remove anything which might identify you and scan and post for opinions as to enforceability.

 

They 'may' write and say game over, no paperwork!!!!

 

They may just pass it on to another DCA

 

They may start up the whole chain of threatening letters again,

 

just let us know when the next 'action' happens