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The Bank Action Group - against unlawful bank charges
> Other Institutions > Capital One


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Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
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Old 3rd December 2008, 19:00   #1 (permalink)
mijjman
Basic Account Customer
Default cap1 phone call issues

Hi, from looking through the previous posts and threads i am a little unsure as to exactly what stance i have, the issue:

capital one contact us on a daily basis, at this point in time the mortgage is more important. capital one were told this and have been told this everyday, i have told them i will make payments when they are available.

the issue lies with them contacting me everyday. from reading the posts i have found that you can request for them to contact only in writing, i am unsure as to how to approach this request.

should i write to them? to which address?
what legal stance do i have?

if the phone calls continue after the request it is considered harassment, is this true?

i want all the facts so i can argue my case with confidence

thanks, i apologise for this thread being a repeat i want to make sure my case is similar enough to everyone else.
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Old 3rd December 2008, 19:50   #2 (permalink)
dpick
Platinum Account Customer
 
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I am in: Teesside
Posts: 1,572
dpick Informativedpick Informativedpick Informativedpick Informative
Default Re: cap1 phone call issues

try sending them a copy of this.


I am writing in regard to the quantity and frequency of telephone calls that I am receiving from your representatives, which I find to be personally harassing.

I have previously requested that these calls stop, but I am still receiving them.

I now require all further correspondence from your company to be made in writing only.

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.



dpick
__________________
cannot find it A to Z

http://www.consumeractiongroup.co.uk...hat-youre.html


Halifax
Paid in full £2295

MBNA
04/08/2007 prelim letter MBNA to declare agreement unenforceable and refund charges and ci by cheque.
20/03/2008 settled in full out of court

Capital One
07/07/2007 Capital one paid in full £1666
10/07/2007 prelim sent for PPI + interest £1922
DMP now pursuing PPI
DMP recovered £2216 + costs

Littlewoods
12/08/2007 Littlewoods write off £1176.10 debt.
02/11/2007 Littlewoods assigned debt to iQor
17/01/2008 iQor got lost after bog off letter
Complained to FOS re 2 defaults
2 defaults removed

JD Williams
sent CCA no agreement
prepared POC for comment
filed at court no agreement refund interest and charges
refunded in full £640
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Old 3rd December 2008, 21:52   #3 (permalink)
mijjman
Basic Account Customer
Default Re: cap1 phone call issues

thanks for the advice, will contact them.
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