CSL power 2 connect , giving me loads of headache.

[kalechor]

hey scared,, sorry to bother u

I am in same situation as you were in 2009

what did u do with CS and capital one....

pls help me out... CSL power 2 connect is giving me loads of headache.. sort me out with ur genuine views pls

thanks

[Fred Bassett]

hey scared,, sorry to bother u

I am in same situation as you were in 2009

what did u do with CS and capital one....

pls help me out... CSL power 2 connect is giving me loads of headache.. sort me out with ur genuine views pls

thanks

 

Give us a bit more Kalechor. i.e., what is your debt (loan?, credit card?), how much, who with, what the status is - i.e are you currently paying?, have you got any paperwork. CSL and PowertoContact are a bunch of idiots and can easily be dealt with, so don't worry.

 

Regards.

 

Fred

[Fred Bassett]

I forgot to say as well that it would be better to start your own thread.

[maroondevo52]

Hello and Welcome, Kalechor.

 

I've started a new thread for you.

 

Regards.

 

Scott.

[Bazooka Boo]

hey scared,, sorry to bother u

I am in same situation as you were in 2009

what did u do with CS and capital one....

pls help me out... CSL power 2 connect is giving me loads of headache.. sort me out with ur genuine views pls

thanks

 

Cheers MD!

 

In the meantime, Capone, when did you take the card out, how much and what is the state of the account now? Defaulted? Terminated?

 

Who is chasing what and on behalf of who?

 

Credit Solutions & Powerless 2 Contact are nothing but bailiff wannabes, and can be suitably ignored until such time you are bored then you can start playing with them.

 

Golden Rules:

NEVER phone them, NEVER speak to them over the phone EVER!

 

Keep EVERYTHING in writing.

 

Keep a diary of events, log all calls they make, mark the puerile missives they send with the date you receive them on, and staple the envelope to the back of the letter.

 

ANY phone calls they try to make to you, just repeat verbatim "Everything in writing" then put the phone down.

[kalechor]

Thank you Fred and maroon,

my story is like this:

i had capone credit card credit limit of £900, Due to some personal problem, i couldnt run the account which i should. i was paying them £10 a month

After few months Cap ques send me demanding full sum with in 3 to 4 working days time.. on behalf of Cap one.

I didnt respond them and neither i paid them.. after couple of months cap quest send me letter, demanding money again, this time offered me to pay £401 instead of £886.. which can be paid in three months time. i rang them up immediatly and paid them out in 3 months time with lots of difficulties.

after a year and so , i got letter from another company "Credit solution" demanding me money of £386 ,, which was remaining balance from £886.

immediately i wrote letter to "cap one" with the proof of offer letter which i got from "Cap quest" and the letter from credit solution.

After few days back "credit solution " send me another harsh letter saying that if not been respond then our staff will come to your door and collect debt from you, or court order or bla bla bla

i was really worried, and google it for the solution and found this forum as god.

today i send them letter saying :

Dear Sir or Madam,

Account number: **************

I must admit that I am rather bemused as to why this account has been passed to yourselves, as it is in dispute with the **original creditor/CAPITAL ONE**. Not only is this a breach of OFT collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998

My last letter from **original creditor/CAPITAL ONE** was DATE and intimated that my complaint would be resolved on **DATE**, this obviously hasn’t happened. As **original creditor/CAPITAL ONE** are now in default of my Consumer Credit Act request, OFT Collection Guidelines, *Subject Access request and have also breached *s10 Data Protection Act request , I consider this account to be in SERIOUS DISPUTE.

As you are aware while my Consumer Credit Act request remains in default enforcement action is NOT permitted, under s127 this constitutes a complete defence at law.

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

Now I would respectfully suggest that this account is returned to the **original creditor/CAPITAL ONE** for resolution of these defaults and breaches, as **CREDIT SOLUTION** cannot lawfully pursue any enforcement activities.

If **CREDIT SOLUTION** chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action.

After taking advice, I am of the opinion that any continued pursuit is in violation of the Administration of Justice Act 1970 section 40 as well as breaching a number of the OFT Collection Guidelines

I hope that this will not be necessary and an acceptable solution can be accomplished.

I would appreciate your due diligence in this matter. I look forward to hearing from you.

This is my story.. thank you for your support guys.... keeping doing good works

[kalechor]

thank you bazooka

[Bazooka Boo]

So the original creditor (OC) was Cr@pone,

 

They passed it to Cr@pquest on behalf of Cr@pone,

 

Cr@pquest offered you a discount, you had to pay £401 instead of £886.

 

Now CSL have bought the remainder of the alleged debt and are demanding £386?

 

Well either their maths is worse than mine or they are after a different debt?

 

You have to remember that these are ONLY letters, and these companies demanding payment from you are NOT bailiffs.

They CANNOT do ANYTHING except make idle empty threats, NONE of which they will carry out.

 

PRINT this letter off and keep it by your front door, IF, and that is about as likely as the Moon being made of cheese, they do turn up, simply hand it to them, and close the door. If they fail to leave ring the Police and have them removed from your property.

 

It is your front door, so you have the right who you open it to or not, the same goes for your phone, you have the right to answer it or ignore it.

 

In my opinion I would wait and see, what, if anything is the next letter to come through the post, personally I think you are on a phishing list and because you paid the last lot off, they have put a 'mug' marker on your file and the rest of them want their pound of flesh out of you also.

 

Sit tight & wait, there is NOTHING that they can do.

[kalechor]

That lot of information gave me so much of relief..

 

hats off to u Bazooka Boo.

many thanks dude.. i will do so . cheers!! will upadate the outcome soon i get anything from them.

[Bazooka Boo]

Now go get a good nights kip!

[kalechor]

hi guys i am back with lil more info regarding my Credit Solution torment...

today got the letter, letter goes like this:

We thank you for your correspondance concerning the above account.

We would like you to bear with us whilst we attend to the matter and we shall contact you in due course. thank you

 

so guys what would be their next step... will they stop contact me and give back to Capital one.

Thank you guys for your time

god bless

[Bazooka Boo]

File it under ignore, wait for their next missive, who knows what goes on in their tiny minds so I wouldn't even waste 2 seconds trying to second guess their next move, cross that bridge when you come to it, this is NOT a life or death situation, nor is it of ANY importance, it is ONLY of any importance to them, they would rather have no legs just so long as they have as much money as they can!

[kalechor]

well said bazooka!!!! really appreciated

[cashins]

If CLS are still following roughly the same format you get letters headed:

 

FORMAL DEMAND

Then the power2contact nonesense, followed by:

 

NOTICE OF LEGAL PROCCEDINGS, which says they may take action

 

LEGAL NOTICE, stating legal and court fee costs if they do take action

 

and the real gem, (after in my case, with two different debts on seperate occassions and me telling them effectively to put up or shut up)

 

NEED MORE TIME? - WE CAN HELP, err, give us a call - time to pay and a discount.

Priceless.

 

David

 

[kalechor]

hi guys...

got letter from credit solution, letter goes like this:

Thank you for your letter dated 26th April 2011 which has been passed to me for response.

In regards to your concerns regarding our involvementwith the above account, i refer you to the section '

We will disclose your personal information' of Capital one's Privace Statement, which states "we will disclose your personal information to our sub-contractors, agents or other companies (including those based outside the European Econimic Area (EEA) who provide service to us or you under strict conditions of secrecy and security. " There fore no breaches have been made under the Data Protection Act 1998.

in your letter you state that your account with our clients is currently in dispute as they have failed to comply with your request under the consumer credit Act 1974.

in order for us to raise your dispute with our client we require more information regarding your Consumer Credit Request.

we need to clarify the following:

* whether you have or have not receive any documentation from the client since your request was sent

*whether you have paid the statutory fee of £1.00 for this request. Please note, if the fee was not paid your request would not have been actioned.

If you have received a copy of your Terms & Conditions since sending your request to our client, the please note sending this documentation fulfills our clients obligation to provide you with copy of agreements/applicaations under the consumer credit Act 1974

if you have not received any documentation from our clients, the please let us know and we will raise your dispute with our client.

Please note that should you wish to escalate your complaint you must do so with in 6 months. i have enclosed a Financial ombudsman service Leaflet for your reference.

yours sincerely.

Sally Eames

Complaints Officer

 

 

This is the letter... what would be my next step.... do i have to send letter to capital one with £1.00 cheque for the terms and condition...

pls assist me guys , i am really worried now.

thank you .... you guys took out your time to read out this.

[Bazooka Boo]

Have you got a letter or email with the offer of reduced payment you received from Cap one?

 

Just confirm that they (cap one) offered you to pay the £400 odd instead of the £800 odd? You paid this within their time limit, and now they have passed the remainder onto powerless to contact? YES/NO??

 

You do not have to reply to that missive, file it, and lodge a formal complaint about them to the OFT&TS.

[kalechor]

hello bazooka

Cap one gave my account to scott call, and they offered me £400 for the clear off.... which i paid in time.

now i think cap one gave my account to credit solution to collect another £400 from me ....

i still got that offer letter.. now i am thinking to post it to credit solution.. and will let them know that it has already been cleared off according to scott call..

any suggestion will be great relief

thank you

[Bazooka Boo]

Snotcall are fools, they cannot do anything, and will not have the financial gain to do anything!

 

You should stop attending to their petty letters, send them this, and nothing else, if the fools continue to harass you then send it again,

http://www.consumeractiongroup.co.uk/forum/content.php?428-General-debt-letter-if-you-know-nothing-of-the-debt