Cap1 & cougar

[neato]

Hi, bit of support/advice please.

 

Story so far:

 

I have a debt with Cap1 and they have defaulted my account and passed to Credit Solutions (Cougar) for them to collect on Cap1's behalf.

 

Cougar have been ringing and wrote to say they would call.

 

I have sent the CAG letters re no visits and that I would not deal with them on the phone but only in writing,

I have also sent CCA letter.

 

I have no response to any of them.

 

Still ringing, another letter confirming a visit

and I have now sent Account in dispute letter

 

(Failure to provide a copy of the agreement within the prescribed timescale.)

 

since default notice I have continued to make transfer payments from my bank direct to Cap1

 

(& they have very kindly refunded all default sums incurred since Aug 2011

without me asking for them and knocked it off the outstanding balance)

 

Should I continue to make the transfer payments direct to Cap1?

(I no longer receive statements and cannot access the account online)

[dx100uk]

its std practice for cap1 to removed account access online

 

surprised they put the charges back, thats good thugh i hope you got the interest back too on them?

 

what does your cra file say about this debt?

 

how much are you paying? token or min?

 

dx

[neato]

its std practice for cap1 to removed account access online

 

surprised they put the charges back, thats good thugh i hope you got the interest back too on them?

 

what does your cra file say about this debt?

 

how much are you paying? token or min?

 

dx

Full default sum but no interest

and as they were only at £12 per issue I don't think I would get much support for a claim for interest,

haven't checked my cra file but Cap1 say they are sorry I am not happy about it

but the default is now on my credit file.

I have paid them a £50 & a £137 and intend to continue paying at £100 pcm

[dx100uk]

are you saying that prior to any PENALTY fees, they had already frozen interest?

 

if not, you can compound the interest, but that might be a bi late now

 

unless they just did it without informing or asking your permssion?

 

your cra file will tell you who owns the debt

 

if its still cap1 ignore the dca

 

they have no legal powers at all

 

dx