Well about 90% of the alleged debt is Late payment fees, so im not willing to pay the reduced amount they offered.

when is sent CCA they replied after about two months with pages of the C.C transactions, i wrote back and requuested for a signed T&C, after another 3 weeks they replied with a photocopy of the application form (attached in on of my earlier post). sent them a third letter explaineing they have not provided information that i requested. They replied again with same photocopied appliaction form and an unreadable, unsigned T&C. i totally ignored them, after about 4 weeks i received a letter threathining court action, i didn't bother to respond, got another letter at the weekend advising they have reduced the alleged debt and asking me to pay the balance.

Hi again.... well they didn't stay away for too long. I received a letter from them and threatning court action and today another letter giving me payment options. However i have still not received a copy of my T&C's all they keep sending me is a copy of the application form. Can anyone help me as to the next step of action to send to these people?

Cheers Bazaar, Any more opinions on this please.

The doc on POST 10 is the application form which they just photocopied again attached it to a photocopied T&C sent to me!!! the T&C donot evn have a date on it so can't say exactly the period it governed CAPITALONE C.C Pls whats FOS and CPR not too familiar with the acronyms lol.

Lowell are back again, after sending them the letter on POST 14 ABOVE, they replied today sening me the attached T&C below with the PDF doc in POST 10. This is well beyond 12 working days and 30 days from the date. any one had same experience??? what should be my next line of action. scan0001.pdf

FUZZY, your letter did the magic, since i sent it to lowell i ve not heard any response from them, whereas before they were threatning court action:smile:

Thanks fuzzy, i will have to wait a couple of days more for the 12 working days to be up before sending this letter lol,. they sent me the application form within a week of my seding CCA to them.

Thanks fuzzybobble, you ve put a smile on my face tonight lol, which template letter do i need to send to them now?

Below is a scanned PDF copy of the form, it can be enlarged in adobe acrobat. scan0001.pdf

this is the agreement they sentImage of cap one - Photobucket - Video and Image Hosting also no ppi agreement sent but i was being charged for it. Should i write them and request a readable copy and a copy of ppi agreement?

they sent me a photocopy which is not readable, i will get to scan it and see if i can upload an enlarged copy.

bump, any help on this please.

Lowell bought my cc debt from capital one, the total sum amounted to £400; £260 of the debt is ppi, late payment and over limit charges. I sent them a cca and received a non readable agreement form signed by me. The option box on the form to agree to ppi was not “ticked” and no ppi agreement was supplied by Lowell, even though ppi is part of the charges on this debt. My question is …. 1)Now I have received the agreement form, can I claim for the over limit, late payment charges and ppi charges. 2)Should I request for a signed ppi agreement form? 3)If they cannot provide a signed ppi form whereas I’ve been charged ppi does this invalidate their claim?

Funny enough they just rang me this morning to say "eerrr... yeah we found our agreement with you and u have kept ur part of it, but if u can increase the amount we will most appreciate it, sorry about yesterday" my reply was i'm gonna ponder over it as i don't want to over commit my self financially.