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    • I don't think I've ever seen someone appeal a mags court decision on fare evasion, JK, but as you say in this case TiredDodo has pleaded guilty. It is possible to challenge, as below. HB Appeal a magistrates’ court decision: Overview - GOV.UK WWW.GOV.UK How to challenge a decision by a magistrates' court. Including how to get a fine reviewed, if you did not know about your case, how to appeal to the...  
    • Update! I have now opened the mail from Barclaycard. I am assuming that their letters were prompted by my confirmation to them of my change of address, which I had advised them of twice. They are treating my change of address notification as a "General Data Protection Regulation Right of Access Request"  and state that I have made a "Right of Access Request. They are asking me to provide valid indentity documents! I have made no such request and am minded to ignore their request for extra information? I should add that their letters were sent to my correct current address!
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    • DX: I did not pursue Link after I got the CCJ amended to monthly payments. Pretty sure the CCJ does not mention reviews, I do have the CCJ somewhere, I will have to look it up in storage. It is as mentioned on the thread you referenced  in your post #28. The Barclays loan was taken out in September 2004 for 60 months! Current Balance remaining approx £2K. On checking back my past correspondence with Barclaycard about this loan, there was a history of them ignoring my letters and offers to pay, and I even had problems in obtaining their bank account details for them to accept my payments! I have received strange correspondence from them too, one referring to insurance which I did not have. They seem very disorganised! Barclaycard told me to pay "Masterloan" a while back and I now receive regular statements and arrears notices from "Personal Loans from Barclaycard" clearly marked Masterloan, they changed the account reference number! I have never requested a CCA on this account. I advised them of my change of address last September, but they are still sending, until today, statements etc. to my old address! I have received 2 letters from Barclaycard Loan today though, not opened them yet!!
    • Yes, a few months ago. They wrote back saying there was no CCA and the debt was unenforcable. I then started gtting bombarded with threatening emails from their 'litigations team' which have been sent to spam. I've now recieved the letter before claim with the PAP form enclosed, but still no CCA or even a letter from them to say the debt is deemed enforcable. Thank you.
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Capital One issue


dragon29
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I have a credit card with Capital One which I am paying off monthly - I had a nervous breakdown last April and I am writing to all my creditors asking for them to hold my account for six months whilst I recover to make my life a little bit easier. MOST have been very understanding.

 

Capital one on the other hand ...less so

 

I have sent them FOUR letters in total explaining the situation and also explaining that I want all communication via letter for my records - They just don't seem to understand that.

 

On every reply they urge me to call them to explain the situation. I don't want any dealings over the phone. I want it all in writing. This is my right correct?

 

Is there a way I can get them to stop urging me to phone them in their letters or should I write them yet another letter explaining yet again that I want all communication via letter. All of my other creditors have been extremely understanding. It's just these that don't seem to understand that I don't want to talk to them over the phone.

 

What should I do?

 

Thanks a lot!

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The CONC rules - http://www.consumeractiongroup.co.uk/forum/showthread.php?426145-CONC-7.12-Lenders-responsibilities-in-relation-to-debt-including-DMPs provide that where you are in a DMP, then it would be a breach of those rules for one of the creditors to break ranks and bring down the whole DMP.

 

Also, if you are developing a plan then your creditors are obliged unless there is an objectively good reason for refusing to do so.

 

It seems to me that the way forward here is to start setting up a self-administered DMP – or else go to a reputable debt management company to help you do it. If you start setting up your own DMP and get all the other creditors on board this will apply extra pressure to Capital One.

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Me thinks might be worth emailing the MD of CAp One UK... They have some good eggs in the exec team who actually do have a lot of knowledge on FCA Rules.

It is your choice however

 

 

We can help you write the complaint, but at the end of the day it might help you get through to them. Should it fail you then go to the FOS and take legal action if need be.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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