yippee found my account number for amex, at least thats one good thing. noticed they too were taking PPI payments, another one maybe lol. needs some advice regarding this; when i lost my job in 2005, i informed Amex about this and they said i couldnt claim on my PPI. I couldnt remember the reason. But the did infact put my account in default and passed it over to a DCA to pursue. This did leave a nasty mark on my credit report. Does anyone have any suggestions on how to pursue this and possible getting the defaulted remarks removed from my credit report at experian

this what I propose sending them, asking for my CCA & PPI agreements. your comments welcomed before I send it, does it cover everything, or should there be more My Address Obviously Legal Compliance Specialist Capital One Bank (Europe) plc Trent House Station street Nottingham NG2 3HX 30th July 2007 Dear Sir/Madam ACCOUNT NUMBER: 1234 5678 1234 5678 With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement and also my copy of the Payment Protection Insurance agreement. We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a copy of our credit agreement on request. We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act. We understand a copy of our credit agreement should be supplied within 12 working days. We understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act. We look forward to hearing from you. Yours faithfully Andrew Ford

just phoned cap one up to find my APR they informed me it is 22.13 strange rate, cannot see it being offered currently on any of their cards will be send off my CCA request first thing monday, do I also have to ask to see my PPI agreement too

bump

Hi Harvey sorry to jump in on your thread, I am just about to start going after cahoot for a loan and credit card. was just wondering if you could please tell me the address you sent your letters too many thanks

please can someone tell me the correct address to send my CCA Request too

I have decided that with things being decided in court with regards the test case I should pursue Cahoot now. I have a cahoot credit and was wondering if anyone knew the address to send the S.A.R. - Subject Access Request too. I will be also be sending off a CCA request, will that go to the same address. I had a loan with them a couple of years ago, and thought I may look at that too for any costs and repayment penalties. Does anyone know if that will need to goto the same address. I dont have my account number anymore for the loan, what will be required any help would be appreciated

question is if they can just take payments when they wish and stop when they want. Do I have a case to claim it back ukaviator, would the correct interest rate be as my other claim 34.9% do you think i should just send the letter off requesting ones money back with the interest

do you think with them not taking any payments since February has got anything to do with this article http://www.fsa.gov.uk/pubs/final/capital_15feb07.pdf

I have checked through 5 years of statemaents and for that they never took payments in the following years 2003 didnt take payments for March and December 2006 didnt take payments for August 2007 didnt take payments for March, April, May, June, not seen July's statement yet, would they in breach, me thinks so, as its up to them to take payments do i use the interest as 34.9% as normal when trying to claim these back anyone know where to send my CCA request too

I have come across something very interesting, and would welcome your thoughts I have just been through all my statements from when I took out my capital one credit card. when I have gone through them all and entered all payments into a spreadsheet. I have noticed that they had suddenly stopped taking payments in March of this year. Now I cannot remember telling them or asking for any kind of PPI. but they have taken payments up too February this year. Now what is going on here your comments and thoughts please

Hi all, just about to send a CCA request of to Captial One to see my application and CCA. Dont think I ever asked for PPI. does anyone know what address to send the CCA of too. I have noticed they have marks against me on my credit report for late payments too. if it turns out that i dont have a valid CCA, does this mean I can also ask them to remove all notes from my credit report with experian. also does anyone know of a spread sheet to calculate interest on these payments i hope this posted in the thread Andy

i have used the 34.9% as advertised on there site, havent got statements, only print outs they sent with my SAR

does anyone know if this test case covers credit cards or just the banks

sorry but just as I was starting to get this sorted and plucking up the courage to fight them, it really seems to be the banks have won

thanks SSL, but am I right in understanding it as being; carry on as normal, but the banks will not have to settle cases until after the test case, which might run on for few months or even longer

just rean dand seen the news regarding the test case. bugger me, just as I am pursuing the halifax, all this happens just guess I aint going to get my money back arhhhhhhhhh does this mean that I wont get anything till after the test case, if so, how long is it going to take to deal with hellllllllllllllllllpppppppppppppppppppppppppppp

is this address to send the prelim letter too, if so, its a PO box, how do you send a registered letter to a PO Box Number Do I also send my CCA request there, help anyone please Executive Office Capital One PO Box 5281 Nottingham NG2 3HX

well done my claim is just £1000, but with 34.9% interest it takes it up too £2467.00 just hope i have don it right I take I should send my prelim letter asking for the full amount

hey Cat dont worry about it can i ask what interest rate you used

is it best to pursue this claim and then go after PPI or both together

thanks jubaxt I have based it on 34.9% too just noticed whilst looking through my statements that I have PPI payments too going out off my account. i cannot remember ever asking for it, also am I right in thinking that they should of sent me copies of my application and CCA with my S.A.R. - Subject Access Request

I have used vamps spreadsheet 13, but not sure of interest rate to charge, looked on my printouts and nothing on them, also logged into site and cannot find anything too. does anyone have any idea on what interest rate to use.

Statements received today, blinking quick if you ask me, 3 days what is the best spreadsheet to use on here and i take it I can claim the following Late Payment Fees Overlimit Fees. anything else, ie interest

stop fretting, i bet the money will be in your account tomorrow could be a lot worse, a trip for 2 on the titanic lol but perhaps, thats for me hehehe keep your chin