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Re: Capital One harassment
Well, lo and behold, yesterday, 14 October, I received an extremely pleasant and sympathetic letter from Crapital One.... thanking me for advising them of my current financial status....could they please just have a copy of Benefits awards... would sincerely like to administrate a suitable repayment plan... they absolutely do not want us to go bankrupt..... blah blah blah..... signed by Verity Billson, Specialist Support Unit Manager, letterhead POBox 5282, Nottingham NG2 3HX
Sorry, this is a bit back to front. The post below by myself was copied and pasted from a general thread. I have now started my own. Opened a credit card account in January 2004 at 14.7%, credit limit £800. 0.27p in credit from 23 November 2007.
Used the card again, in June 2008,
Jun 08 spent £806.97 at 24.09%, charges & int. £42.20 Balance £848.90
Jul 08 spent N I L charges & int. £43.59 Balance £892.49
Aug 08 spent N I L charges & int. £45.22 Balance £937.71
Sep 08 spent N I L charges & int. £45.72 Balance £957.96
Received a letter from them dated 13 August to pay £25.47 immediately to clear arrears. I paid on 26 August.
08 Sep 2008 I sent my Hardship covering letter together with I & E Form clearly showing we are on benefits and offering £20 p.m. to each Creditor.
14 Oct 2008 Received letter from Capital One dated 03 Oct 2008 acknowledging receipt of my letter per my post below, (requesting proof of income) allowing me 7 days to reply
17 Oct 2008 Received letter from Capital One dated 12 Oct 2008, balance is now £969.96 and "This may be your last chance to save your account and avoid more late or failure to pay default sums and/or over limit default sums being added."
I am in receipt of your letter of 3 October, received on 14 October 2008, acknowledging receipt of my Hardship Letter of 08 September together with Income & Expenditure Form.
As this letter stated you require copies of proof of income and expenditure within the next 7 days, this was obviously not possible!
Over and above what I have spent on this card, I am disappointed to see you have continued to add to the balance by adding further charges and interest, totalling £176.73 which has taken me over my credit limit by this amount! As shown on my I&E, I have a surplus to pay each of my creditors £20 p.m. which is what I have now agreed with other creditors, on the condition that these charges be refunded to my account. I shall then be within my credit limit and will be able to pay the reduced amount on the condition that interest and charges are frozen during this period.
Copies of relevant letters enclosed.
Telephone Harassment
I am also writing in relation to the quantity and frequency of telephone calls that I have very recently received from your company. Please take note that I deem your actions to be personally harassing. All inbound letters, calls and messages are logged and dated. It has been our private, family and business policy for several years now to avoid using the telephone when handling financial matters. In view of this, we will never answer Account Security Questions over the telephone rendering any inbound calls from your company totally pointless (Data Protection Act 1998). In fact, your company is already in breach of that Act by having spoken to both my husband and I without verifying this information.
I now require all further correspondence from your company to be made in writing only. This Notice applies to any and all of our dealings with your company.
Letter dated 30 Oct, recvd 05 Nov, acknowledging receipt of below letter, apologies for phone calls, want to be fair, can see I have contacted specialist support unit to set up repayment plan and freeze charges. If they set up plan, they won't need to phone again, if they don't hear in 4 weeks, they'll consider the matter closed.
I replied 5 November, referred to my I&E Form with supporting docs of 08 Sep, reclaimed charges back to 2004 plus interest totalling £250. No response yet.
Today, 12 Nov, received letter dated 10 Nov, from Power2Contact giving me 3 days to respond to Crap1 otherwise we'll be getting a visit!
I have written to these people on 08 Sep, 21 October, 30 October with copies of my I&E and copies of proof, clearly showing my repayment offer. I have written again on 05 Nov reminding them of this and also reclaiming charges of £250 which would put me back well within my credit limit.
Today, 18th, I received a reply stating that before they consider my offer, could I provide a full list of unsecured creditors. If they don't hear from me within 28 days they want the full balance back. No mention of my claim for charges! Am I not shouting loud enough??
So far I have received correspondence from :
Verity Billson, Senior Manager
Power2Contact
Ellie Renshaw, Executive Office Manager
Valerie Lipton, Director of Collections
They all sound rather senior job titles but is anybody doing anything?
Letter received today dated 17 November, acknowledging receipt of my letter of 05 November but only refers to the 3 PPI items that were included in my list, no mention of all the £20 charges making up the balance!!!
QUOTE It's going to take us a little while to look into your situation and come back with a detailed response. We'll do everything we can to get an answer to you within four weeks of this letter. If for some reason our investigations take longer than four weeks, we'll contact you to tell you why this is. Thank you very much for being patient while we collect the information we need. UNQUOTE
Letter received today dated 17 November, acknowledging receipt of my letter of 05 November but only refers to the 3 PPI items that were included in my list, no mention of all the £20 charges making up the balance!!!
QUOTE It's going to take us a little while to look into your situation and come back with a detailed response. We'll do everything we can to get an answer to you within four weeks of this letter. If for some reason our investigations take longer than four weeks, we'll contact you to tell you why this is. Thank you very much for being patient while we collect the information we need. UNQUOTE
Letter of 18 Nov, recvd today 21 Nov, Notice of Default, if I dont pay overdue amount within 28 days, then blah blah blah ! signed by Michael Woodburn, Vice President of Collections
Think I shall have to send him a copy of Ellie Renshaw, Executive Office Manager's letter quoted above. Maybe I should just go in to their offices and tell them how to operate their admin/secretarial office functions
Send your lba as a matter of urgency to Ellie Renshaw and the twit at collections. After the 14 days has elapsed, file your N1 at court. Don't be daunted by this. It's not as scary as you think. Take it from someone who knows
I know it's hard to stay positive, especially at this time of year and in this present economic climate but in one sense that's all the more reason to fight!
I remember days like that. If I hadn't discovered CAG and started sorting myself out, I don't know where I'd be. I actually miss the sparring with DCA's and writing my own bog-off letters to them. I've just settled my case out of court with cap one (see the link in my signature) so I know that you can get what you want from this.
You are also in the fortunate position to have help and backup from CAG members, before it has got to the default stage. When my account defaulted, due to the charges being levied. I had no help or knowledge for that matter, so I had the blot on my file and to add insult to injury, a CCJ. All for a card with a limit of £200, which I had more than repaid several times over.
You can get this sorted and Cap One will be in all kinds of trouble if they default you whilst the account is in dispute. Just out of interest, who are your other creditors and do you have threads for these cases?
We're all in this together (oh dear - a High School Music reference), but you'll get through this. Cheer up, today is a new day my friend and there are creditors for the taking!
Deedee, what a lovely msg to wake up to, thank you so much. My signature hasn't shown up in these posts(?) but of course, we are laden with 3 x MBNA accounts @ 30+% which is when it all started going wrong and BC x 4 who are at least cooperating. My biggest worry is GE Money car loan because that is I suppose the only 'asset' we have although the poor car is now in negative equity. All my threads begin AA99 v ..... and I'd love it if you pop by!
Just received £200 worth of PPI from GE today on a BHS card I've had for 4 years, no quibble, I didn't even do a Statement of Charges and wrote 3 weeks ago to head office for a refund of mis-sold PPI. Will post that in the appropriate place
AA99 v GEMoney/BHS Store Card - WON PPI
AA99 v MBNA x3 - Supposed CCA received for Accs.2&3, S.A.R - (Subject access request) awaited for all 3, threats being received
AA99 v Capital Onex2 - Reduced repayment plans offered - sent 3 times evidence of I & E, SOC's awaited - they require MORE evidence now & £8 refund offered
AA99 v GEMoney Car Loan - CCA received, awaiting reply to reduced repayment offer & charges
AA99 v Barclaycard x4 - Acc.1 interest frozen, repayment accepted, Acc.2 refused min.payment CCA awaited, Acc.3 interest frozen, repayment accepted, Acc.4 SOC awaited
NatWest - interest frozen, repayment accepted Nationwide - interest frozen, repayment accepted
M & S More - interest frozen, repayment accepted, 1 day late payment - £12 added http://petitions.number10.gov.uk/experian/ PLEASE SIGN
Well done on getting the PPI back from GE Money. To think that years ago I WANTED them to give me credit and was gutted when I kept getting knocked back - they did me a favour so I am thankful!
I got my cheque from the Crap Ones at the weekend and rushed to the bank to pay it in Just need to check that they have removed the late markers from my credit files as per the terms of my settlement.
Now begins the countdown from their receipt of your lba. I'm going to check your other threads tomorrow. I am cream crackered tonight but just wanted you to know that I am rooting for you.
Thank you deedee. Had quite a vibrant morning today and also recorded a beeeeeeeeeeeeautiful phone call with Barclaycard, makes me laugh to think about it! Thanks for your support.
Letter dated 12 November, received today 25th (!), out of £250 charges + interest, they have offered, as a gesture of goodwill £72 (9 x £8 diffs).
Interest on this account now 29.5%
I thought you sent the lba yesterday? If not do it now!
The clocks ticking. This is standard Crap One response, so don't take it personally.
They offered me £384 (the difference between £20 and £12 for each charge), initially and told me that they couldn't offer me anymore. Once I filed my N1 they suddenly had the ability to offer me over £900. :-?
lba sent yesterday, 26th, but had 5 calls from them today!!!!!!! They're all recorded but what a day !
LBA response due by 11 December
Threatening letter dated 2 December, received on 8 Dec from Michael Woodburn, Vice President of Collections, demanding overdue amount (ie. their charges!).
Letter dated 5 December, received on 11 December from Ellie Renshaw, Executive Office Manager, in response to my letter of 26 Nov LBA & CHARGES! thanking me for writing about mis-sold PPI and kindly offered to repay the premiums stating they are inclusive of all applicable interest although no interest has been added - Is this right?
With regard to the default sums since 2004, they are QUOTE looking into this matter UNQUOTE
The letter finished with the paragraph:
Financial regulations require me to advise you that this is my final response in relation to this matter. However, you now have the option to contact the fos with six months from the date of this letter. blah blah blah.
They have phoned about 12 times this weekend (all recorded of course)
AA99 v Capital One
harassment
:grin:
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Re: AA99 v Capital One
Re: AA99 v Capital One
Originally Posted by deedee1310
paid me as soon as they received my Summons from the Sheriff's Officers 
