many thanks for the info and your thoughts. the debt collection company concerned are NCO Europe, I have had one phone call from the regarding this matter, I informed them that it was indispute with CAP 1 and that it was being investigated by the FOS and gave them the reference number concerned. They said they couldnt would still pursue me for the money. should i also write to CAP 1 and give them the reference number for the case from FOS and inform them that they shouldnt pass the debt on to anyone whilst its in dispute. Also, should I send a copy of the letter to FOS for their files on this matter many thanks in advance

bugger me, had a letter back from the ombudsman on the 18th April, not heard anything else as yet. but hey, had a letter today from a debt collection agency asking for full payment otherwise i will end up in court, bankrupt and other things. hmmmmmmmmm. what to do, surely this cannot be right can it

bugger me, had a letter back from the ombudsman on the 18th April, not heard anything else as yet. but hey, had a letter today from a debt collection agency asking for full payment otherwise i will end up in court, bankrupt and other things. hmmmmmmmmm. what to do

bugger it, didnt pay it and quoted their orignal email saying i wasnt being charge for first visit as i had complained. they caved in and cancelled all costs incurred by their unlawful pursuing of costs, they didnt have a leg to stand on. thanks to everyone for the help and guidance still havent heard anything back from northampton county court on this mater though. be hey Andy 1 - 0 Bailiffs in the back on the net,,,,,,,,,,,,result

has anyone attempted to pursue cahoot with the Financial Ombudsman Service. or better still has anyone had any success with PPI claims from Cahoot

well thats it then, decided to go through the financial ombudsman service papers all sent off today. lets see what happens now

well thats it then, decided to go through the financial ombudsman service papers all sent off today. lets see what happens now

i think this is a very common thing with capital one, saying it was sold over the phone and all agreed with at the time. I think this thread needs moving to the main PPI section for the wizards of ppi claims to help you with. sorry i cannot really help, am busy pursuing them myself for ppi

hmmmm one thing i have noticed though with http://i33.photobucket.com/albums/d70/andyford/7thSeptember20073.jpg it states on the top it is an application form and surely signing in that little box doesnt constitute a proper credit agreement. do i need to call debitas legal regards their last letters no mention of my ppi claim from cap one either, should i just proceed now with N1 for both and also ask that default is removed from ones credit files

sorry not done N1 yet, thought i would try once more to get both charges and PPI back and ask for default to be removed. now had letters from Debitas threatning alsorts and asking me to call them urgently regarding my letter.

bump please

well i think i will send the questionaire back with a letter basically saying that they have all the information on file that is required, as there 14 days are about to expire, will also send a LBA too

Update;;;; whilst i was waiting for a reply to my letter above i thought I had better route out the documentation they have already sent in reply to my CCA request; these are scans of the documents concerned; first of all is this really a valid agreement; http://i33.photobucket.com/albums/d70/andyford/17thAugust20071.jpg http://i33.photobucket.com/albums/d70/andyford/17thAugust20072.jpg http://i33.photobucket.com/albums/d70/andyford/17thAugust20073.jpg http://i33.photobucket.com/albums/d70/andyford/17thAugust20074.jpg http://i33.photobucket.com/albums/d70/andyford/17thAugust20075.jpg then i got the following, which just has my signature on it, the terms and conditions i cannot remember ever seeing and it aint attached to the signed part. http://i33.photobucket.com/albums/d70/andyford/7thSeptember20071.jpg http://i33.photobucket.com/albums/d70/andyford/7thSeptember20073.jpg http://i33.photobucket.com/albums/d70/andyford/7thSeptember20072.jpg I sent them the letter in the above posting and got this reply today; http://i33.photobucket.com/albums/d70/andyford/27thMarch20081.jpg no mention at all with regards the PPI aspect of the letter; also from debitas this morning i received the following 2 letters http://i33.photobucket.com/albums/d70/andyford/Debitas27thMarch20081.jpg http://i33.photobucket.com/albums/d70/andyford/Debitas27thMarch20082.jpg i had sent the following letter to debitas on the 14th March Dear Sir/Madam, Capital One Bank - Account Number: 1234567890 Thank you for your template threatening letter dated 3rd March 2008, proposing your intentions regarding this alleged debt. May I suggest that there is urgent liaison between yourselves and Capital One Bank regarding this matter. This account is in clear legal dispute. Any verbal or written contact from your company to myself, I will retain for my files and will take the appropriate legal action for unlawful harassment. Please take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested. I await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and inform the OFT of your actions. I look forward to your reply. Yours faithfully, Andrew Ford your urgent thoughts would be most appreciated now, should i just through the towel in and pay them what i owe, because it seems to me they have me by the short and curlies on this one please tell me otherwise

Bump

Just Had A Reply From The Abbey Regards My Ppi Claim They Are Asking Me To Fill In A Questionaire With Details Like Employment Dates Number Of Kids And Some. Should I Actually Fill This In And Sent It Back Or Do Something Else Guidance Please

i too have started to try and claim my ppi back from 2 abbey loans, will watch your thread too.

well i have had a reply back from Equita on saturday, saying basically that they will drop all costs apart from the original £24.50 for the first visit from their bailiff provided it is paid within 10days. they have also said that they will be defending their bailiff robustly should they be approached by the court. bearing in mind that they did say in an email that i wouldnt be charged for that visit and they were going to carryout and investigation. me thinks i should just pay the £24.50 and be rid of them, what are the thoughts of others

oh well, no feedback so posted it today, just hope its ok

letter sent,

sorry to be a pain, but is there some kind of letter template somewhere for this, if so could someone please point me in the right direction

bump, really need peoples advice on the letter above, need to post it tomorrow

this is what i am proposing sending as a final LBA incorporating both PPI and Bank Charges your thoughts welcomed Legal Compliance Specialist Capital One Bank (Europe) plc Trent House Station street Nottingham NG2 3HX 13th March 2008 LETTER BEFORE ACTION Dear Sir/Madam, CARD/ACCOUNT NUMBER: xxxxxxxxxxxxxxxxxxxxxxxxxx I now understand that the regime of fees which you have been applying to my account in relation to late fees and over limit charges, are unlawful at Common Law, Statute and recent Consumer regulations. I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law. I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary. I calculate that you have taken £1036.00 plus £1011.92p which you have charged me in interest for the sums which you have taken. Total £2047.92p Furthermore; I once again stress that, I have no knowledge of signing any document regarding payment protection. If this was the case and I had requested payment protection, then why did you cease taking payments in February of this year (2007). I am therefore once again requesting ANY documented information regarding this agreement that I presume you will say I had agreed to pay, in the form of paperwork, filed claim form, or verbatim transcript or recording of any conversation regarding this application in line with the data protection act. I have no recollection what so ever of applying for payment protection therefore if you cannot provide any proof then, I request my money back - £273.39p, I also wish to claim interest of £304.55p making a total of £577.94p.This being the amount I require as a full refund if proof that I consented to these charges being taken, cannot be found. I request that you reply to me with either the proof or a cheque within 14 days otherwise I will have no alternative but to pursue this matter through County Court. Further more, I feel that I have no alternative but to also report this matter to the Financial Services Authority and also the Office of Fair Trading with regards your conduct in this matter as you have already been fined by the FSA in January 2007. I require repayment in full of this money. If you do not comply fully within 14 days, I shall begin a claim against you for the full amount plus interest, plus my costs, without further notice. Finally; I also want to clarify that I am currently in the process of requesting a refund of bank charges unlawfully made to my account. I note from your latest correspondence that you have issued me with a Default Notice on this account - I need to make you fully aware that I am disputing the sum owed and, as such, you must refrain from any further action until this dispute is fully resolved. If you do not stop this default action and proceed by making any adverse comments on my credit reference files, I shall be forced to take legal action against you under the Data Protection Act 1998. Yours faithfully, Andrew Ford

capital one have now defaulted my account and passed it to debitas i have had a number of calls from them regarding this and have told them a number of times its been in dispute since september. Cap one never supplied me with a CCA as requested, now they have defaulted my account. are they allowed to do this urgent advice please

please can someone tell me what the best interest is to ask for either the 8% or 22.13, which is what i think i was being charged.

bump