Thread: AA99 & The FOS

Have just had a reply last week from the fos and quote below from my thread:

Re: AA99 v Capital One My complaint to fos was

1) No CCA
2) Telephone harassment
3) 5 different DCA's in 12 months

Reply received today from fos Adjudicator:

CrapOne has acted in accordance with the Lending Code in regard to AA99's financial difficulties. (They say that I failed to provide an I&E)

CrapOne was within its rights to sell the debt on to a debt collection agency once the account fell into arrears.

CrapOne's charges & interest were applied in accordance with the t&c's of the account and were not illegal.

CrapOne is entitled to take action to recover the amount owed to it. Any recovery action may continue while the complaint is being considered.

The adjudicator finished by saying

Quote:
AA99 is not prevented from asking the Judge to consider the validity of her credit agreement, should CrapOne seek to enforce the debt in court

And today's post makes it 6 DCA's in 12 months

Re: AA99 v Capital One My complaint to br /span style=\'float:right\'a style=\'padding-left:20px;text-align:right;font-size:80%;\' href=\'http://www.autolinker.com?ref=ww w.consumeractiongroup.co. uk\'AutoLinks by http://www.autolinker.com/a/span/div', BGCOLOR, '#63DD78', BORDERCOLOR, '#C9678E', BORDERWIDTH, '1', WIDTH, '-500', TITLE, 'The Financial Ombudsman Service', SHADOW, '1',FOLLOWMOUSE, 0, OPACITY, '95', FADEIN, '300', FADEOUT, '300', CLICKCLOSE, true,FOLLOWSCROLL, true,CLOSEBTN, true, PADDING, 0)" style="color: rgb(0, 0, 0); background: none repeat scroll 0% 0% rgb(255, 255, 255); font-family: Gill Sans; font-weight: bold; font-style: normal; text-decoration: underline; text-transform: none; font-size: 105%;">fos was

1) No CCA
2) Telephone harassment
3) 5 different DCA's in 12 months

Reply received today from br /span style=\'float:right\'a style=\'padding-left:20px;text-align:right;font-size:80%;\' href=\'http://www.autolinker.com?ref=ww w.consumeractiongroup.co. uk\'AutoLinks by http://www.autolinker.com/a/span/div', BGCOLOR, '#63DD78', BORDERCOLOR, '#C9678E', BORDERWIDTH, '1', WIDTH, '-500', TITLE, 'The Financial Ombudsman Service', SHADOW, '1',FOLLOWMOUSE, 0, OPACITY, '95', FADEIN, '300', FADEOUT, '300', CLICKCLOSE, true,FOLLOWSCROLL, true,CLOSEBTN, true, PADDING, 0)" style="color: rgb(0, 0, 0); background: none repeat scroll 0% 0% rgb(255, 255, 255); font-family: Gill Sans; font-weight: bold; font-style: normal; text-decoration: underline; text-transform: none; font-size: 105%;">fos Adjudicator:

CrapOne has acted in accordance with the Lending Code in regard to AA99's financial difficulties. (They say that I failed to provide an I&E)

CrapOne was within its rights to sell the debt on to a debt collection agency once the account fell into arrears.

CrapOne's charges & interest were applied in accordance with the t&c's of the account and were not illegal.

CrapOne is entitled to take action to recover the amount owed to it. Any recovery action may continue while the complaint is being considered.

The adjudicator finished by saying

Quote:
AA99 is not prevented from asking the Judge to consider the validity of her credit agreement, should CrapOne seek to enforce the debt in court