Aqua card PENALTY charges Reclaiming [in scotland too]

[Desmondo1]

DX thanks for the support.

 

Yep that's what i thought I have dug out form 1b for the small claim court and will complete, I note in Scotland I can only claim for 5 years. In addition I would like to get the ball rolling with first call credit with and F+F over 2-3 payments. Any pointers appreciated or good templates.

 

Thanks

[dx100uk]

no PPI?

 

I cant understand why they sold it?

 

somethings wrong we've not spotted

#

 

I wouldn't be rushing to pay 1st crapit yet

 

dx

[Desmondo1]

No PPI unless its been added on the fly but doesn't look like it on DSAR. Also noddle still shows aqua but i defo have a deed of assignment from both stating that they have bough the debt.

 

Like it first crapit lol

Edited December 3, 2013 by Desmondo1

[dx100uk]

can take 8+ weeks for the cra to update.

 

dx

[Desmondo1]

I am maybe going to send another letter advising that I am now filling in appendix 1b for the small claims court. Hopefully this will make them reconsider but I doubt it

[Desmondo1]

Just rec'd my Capital one SAR

 

they have provided me with statements from April 2006 and

 

boy have they been charging me.

 

Up until 2007 they were charging me £20 almost EVERY month in over limit fees.

 

To bad claim limits only go as far back as 6 years as the CIS sheet actually wipes out the debt and leaves me with £700 up.

 

Wish I could claim that extra year as that year was huge in charges.

[dx100uk]

there have been several successes with cap1 outside of 6yrs I think.

 

dx

[Desmondo1]

Oh well i think i will give it ago nothing to lose i suppose.