Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
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    Default Capital One (Europe) historic T&C and address?

    I am trying to find out a couple of things about Capital Oneicon

    It seems at some point they had an address in Euston RDicon London that then changed to Nottingham , does anyone know when this was?

    There are many different sets of terms and conditions, I was also wondering what set were used in 2007/2008 . It seems that V14 were used in 2010 , again looking at what has been uploaded across different forums there seems to be a lot of variation

    Any opinion I give is from personal experience .
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    Default Re: Capital One (Europe) historic T&C and address?

    popped you into the cap1 forum.


    I believe #v8 there are lots of threads here too


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    Default Re: Capital One (Europe) historic T&C and address?

    Quote Originally Posted by fletch70 View Post
    It seems at some point they had an address in Euston RDicon London that then changed to Nottingham , does anyone know when this was?
    Capital Oneicon filed the change of address to Nottingham at Companies house on 19 November 2010.

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  4. #4
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    Default Re: Capital One (Europe) historic T&C and address?

    Thanks Stigman, makes interesting reading then as it suggests a cut and paste job. My agreement dated 2005 clearly says between me and Cap 1 in Nottm

    I asked because i have seen others from around that date that mention London as the address



    Thanks Dx

    Any opinion I give is from personal experience .
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  5. #5
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    Default Re: Capital One (Europe) historic T&C and address?

    I've been looking through the threads on here and other places and there seem very few like mine.
    Acc opened Dec 2005 and started missing payments Dec 2006 , went into a dmpicon Jan 2007

    There seems to have been a very long wait between going into the dmpicon and termination
    as Cap 1 claim it to be defaulted with the CRAicon 15/10/2008 which is also the date they confirm a 'statement of default' was issued.


    I don't have the DN ,
    have asked the DMP company for it but they haven't come back to me .


    I have DN's from other credit cards that defaulted in 2007
    so I suspect they never issued a compliant DN but of course without it I can't prove it.

    My reasons for getting on top of this is that I was sent a lbaicon and responded with a CCA Requesticon to Lowell
    and a request for info from Lowell solicitors , I have had a notice that it is now on hold pending further instruction.

    last payment was jan or Feb 2012 so a while to go yet

    Any opinion I give is from personal experience .
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    Default Re: Capital One (Europe) historic T&C and address?

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    Default Re: Capital One (Europe) historic T&C and address?

    Thanks Dx

    I just need to find the dates that other versions were introduced , esp V14

    I will have a search tomorrow, my PC is running so slowly at the moment

    Any opinion I give is from personal experience .
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    Default Re: Capital One (Europe) historic T&C and address?

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  9. #9
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    Default Lowell Solicitor and LBA cap1 debt

    Hi
    In early June I received a lbaicon from Lowell solicitors regarding a Cap 1 account.

    I replied to the LBA asking for
    1) The agreement
    2) The NOA
    3) The DN
    4) A statement of account

    I also sent a CCA Requesticon to Lowell

    The letter to the solicitors was received and responded to saying they would refer to client

    The CCA Requesticon was received, the cheque cashed but no response

    Today I received two letters from the solicitors
    1) Included a statement of account and supposedly the NOA although in fact it was a letter from lowell saying if i didnt respond they would pass it to the solicitors and the other was a letter of acting from the solicitors . It also said they were still waiting for the DN

    2) The same statement of account and a letter saying there was no actual DN but they had enclosed a copy of the DN templateicon - in fact they hadn't

    Both letters have asked that i contact them although as you can see the language has changed from will issue to may issue a claim

    The CCA request is still outstanding and was referred to as being outstanding

    In my original letter I did say i would respond within 14 days from receipt of their letter

    My question is
    Do I respond telling them that they have not supplied the agreement , the DN, the NOA even though they claim to have sent the DN and NOA and that the S78 request is outstanding

    OR

    Do I just keep quiet and ignore them

    Thanks
    Anxiety has kicked in again today, so any help would be much appreciated.

    Attached Files
    Any opinion I give is from personal experience .
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    Default Re: Lowell Solicitor and LBA cap1 debt

    Typically the wisdom of recent times is never respond to a failed CCA Requesticon

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  11. #11
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    Default Re: Lowell Solicitor and LBA cap1 debt

    Cheers DX

    That is always my thought or at least not to chase one up.

    Of course I am trying to make sure that a claim isn't issued


  12. #12
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    Default Re: Lowell Solicitor and LBA cap1 debt

    They tend to issue a claim anyway hoping you cave in! later they tend to run = they act as if they are at a daily weddingicon with confetti (N1s)

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  13. #13
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    Default Re: Lowell Solicitor and LBA cap1 debt

    If they have failed to send the CCA, as DX says, ignore, don't tell them.

    As for the letters they have sent you, which one is the NOA? Because all I can see is three missives that Lowlifes have printed?


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  14. #14
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    Default Re: Lowell Solicitor and LBA cap1 debt

    Quote Originally Posted by Bazooka Boo View Post
    If they have failed to send the CCA, as DX says, ignore, don't tell them.

    As for the letters they have sent you, which one is the NOA? Because all I can see is three missives that Lowlifes have printed?
    Apart from the statement , that is all they sent with that letter. They are either incompetent or pretending that they are NOA's.

    In the other letter - which I can not uploadicon because for some reason I can only have 997 Kb of storage - they sent another copy of the statement and claimed that sent a standard DN . There was no DN standard or otherwise.

    I suppose these were the bits that I was wondering if I should query
    i.e their failure to respond, to my response to their lbaicon

    Any opinion I give is from personal experience .
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  15. #15
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    Default Re: Lowell Solicitor and LBA cap1 debt

    If what they have sent you in response to your request is the above, then IMO that'll have the judges rolling in the aisles!

    How these clowns are still able to practice is beyond me, definitely worthy of a complaint to the SRA, TS, and your local MP.


    Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!
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  16. #16
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    Default Re: Lowell Solicitor and LBA cap1 debt

    you'll have to pop back and delete some earlier uploads

    if you scroll right up the top
    and on the right you'll see user CP
    click that
    then scroll down
    on the left you'll see
    attachments
    click that

    scroll down again
    youll see something like
    Page 3 of 3
    First 123 last[hit last on the right

    that start ticking boxes to delete uploads

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  17. #17
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    Default Re: Lowell Solicitor and LBA cap1 debt

    Thanks DX
    It is something that I tried to address a while ago with CitB and Andyorch

    For some reason that can not be figured out, storage limit is only 996 KB . Even if I delete everything ( which I think I already had done) they was not enough space for the two documents

    Any opinion I give is from personal experience .
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  18. #18
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    Default Re: Lowell Solicitor and LBA cap1 debt

    well check it out and let us know.
    prob a hangover from one of your 150+ clones days I suspect

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  19. #19
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    Default Re: Lowell Solicitor and LBA cap1 debt

    Now I can not even find the uploadicon attachment- I did find one small attachment to remove.

    Only 150 - I was told it was more

    You can not call me anything but persistant - sadly at that time there were a couple of people I trusted who it turns out are as mad as boxes of frogs. Mind you , i was probably as mad as them in those days

    Any opinion I give is from personal experience .
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  20. #20
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    Default Re: Lowell Solicitor and LBA cap1 debt

    there have been some issues
    you should be able to attach now ok


    no pm to siteteam is being investigated still I think

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