Morning all.

I have an outsanding credit card with Capital One ( well pre 2007). Been paying nominal amount for 10 years with payplan

The debt is still with Capital One - not sold off to any DCA whatsoever.

Is there anyway to check the default date on it ?

Both on Clearscore and and Experian I have clean CRF. All defaults well and truly dropped off.

The reason I am asking , is that I am currently in process of CCA'ing everyone.

Capital One is the only debt NOT sold on to fleecers.

But cannot remember / have not got any paperwork with a default notice.

Pretty sure it was defaulted say 8 years ago - just want to make sure 100% - I now have clean CRF and dont want it damaged for another six years - if and when I stop paying them. This is the only card I have NOT CCA'd at this present time , on this basis.

Any help much appreciated.

Thanks again.

if it was defaulted more than 6 years ago then it will have dropped off your credit report never to return

If you have checked your credit report and it is not there, Then there is a good chance it has gone

Thanks Colin.

But need to actually check if it was defaulted in the first place ? Because if it hasnt defaulted yet - then it can be down the line.

Thanks

Hi Peeps

resolved

it was defaulted in 2008

thanks

moved to the cap1 forum.

Hi everyone

Here is my story

https://www.consumeractiongroup.co.uk/forum/showthread.php?486920-Been-Paying-Payplan-for-6yrs-Can-i-still-get-CCJs-all-defaults-gone-CRF-is-clean

I have just received a reconstituted agreement back from capital one who still own the debt.

Please let me know if I need to upload the recon agreement ( just looks like a fresh one straight from printer )

What they have provided with my actual signature on looks like an application form ?

What do you think ?

Thanks again

cap one cca.pdf

Is this still owned by cap1

Hi DX - yup still with cap one

Wont hurt to offer a small sum if they. Agree to freeze int and charges

Letter in the dca section of our library

Wont hurt to offer a small sum if they. Agree to freeze int and charges

Letter in the dca section of our library

Thanks DX much appreciated

I have compared this too other CCA returns - and it appears to be just an application form - with no prescribed terms together with a reconstituted agreement.

You have removed the dates of the application...is this pre April 2007 or post?

Andy

Hi Andy

Its 2003

YB

18th jan 2003

I have compared this too other CCA returns - and it appears to be just an application form - with no prescribed terms together with a reconstituted agreement.

So now we have the date......their compliance using a reconstituted version is fine with regards to responding to your section 78 request...they have fulfilled their obligations...assuming the recon is accurate.

Should they wish to go further and issue a court claim then they would have to disclose the original to enforce the agreement (pre April 2007) along with the correct T&Cs and assuming it contains all the prescribed terms.

Andy

Hi Andy

Thanks for your input.

Thats very helpful indeed, much appreciated. Cheers !

YB

Hello

Would the best way forward be - to continue to make token payments ?

Thanks again

Hello

So wise to continue with token payments and then offer F and F ( as per DX advice ) ?

Just a bit confused as it’s a reconstituted agreement.

Thanks again

Very low £1 then theyll sell it on

Then you can stop

Nice one DX cheers !

Hi there

I got my SAR back. Seems to be a lot of late charges and interest charges applie to account. I will investigate what i can maybe claim for here.

and Capital one got in contact saying they missed my recent latest DMP payment. They didnt.

I have since cancelled by DMP arrangement.

The letter ends..

If we havent heard from you within 21 days from the date of the letter.....we will contact you directly and take the nexts step in recovering the amount you owe us, which is likely to mean passing your account onto a debt collection agency or selling to a debt purchaser.

shall i just continue to make token payments or now just let this run ?

any help much appreciated

thanks

If you keep paying you run the sb date still

Pers id stop

Theyll sell it on

Then new cca time again?

Is this on your credit file?

Hi DX - thanks for response

It’s loooooong gone of credit file.

I’ve Just a recon CCA they sent back a few weeks ago.

pers i'd stop paying then