what credit card agreement, they have failed to supply one only an application form and its not on it

Why do you consider I was mis sold PPI, very simple really, I never asked for it, and they cannot prove I did, apart from saying for i asked for it over the phone lol

miselling and also want default default removed form my credit files

can i claim for both PPI and Charges in the same claim, or do i have to do seperate ones for each

sorry i aint been on lately, been very ill and in hospital I hear what everyone is saying and I should proceed down the court route, i would certainly appreciate peopled guidance and help in this, is there some kind of step by step guide available for this many thanks

would certainly like some advice, I received this letter today

bump

this is what i sent NCO recorded delivery a couple of weeks ago, they simply ignored my letter NCO Old Docks House 90 Watery Lane Preston Lancashire PR2 1AU 13th May 2008 Dear Sir/Madam, Capital One Bank - Account Number: xxxxxxxxxxxxxxxxxxxxxxxxxxxx Thank you for your template threatening letter dated 29th April 2008 and subsequent Appointment postcard delivered 9th May 2008, with a further letter dated 15th May 2008, threatening court action, and 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. A formal complaint has been submitted to the Financial Ombudsman Service and acknowledged from the FOS on the 18th April 2008, reference number xxxxxxxxxxxxx. I have contacted you on a number of occasions informing you that this matter 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. Furthermore; Please be advised that I will only communicate with you in writing. I have noted your repeated attempts to contact me over the past few weeks and these have been duly logged by time and date. Furthermore, should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you. There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance. Copies of this letter and your correspondence have also been copied to the Financial Ombudsman Service. I look forward to your reply. Yours faithfully,

oh my god really desperate now, hellllllllllllllllllllllllllllllllllllllpppppppppppppp please anyone, everyone

urgent help please on the above

bump please

here we go, just received this today from NCO would welcome peoples thoughts

hmmm so basically it would be my word against theres

thanks should this document of been sent via special / recorded delivery or are they free to send it via normal post, if so, how can they prove it was delivered / served

just been thinking about all this capital one thing and all am I right in thinking that at some time they should of notified me that they were placing my account in default. I have never received any kind of letter saying this, surely this cannot be right. If so, how can one prove that they never sent a letter or anything, surely such an important document would of been sent recorded delivery.

cannot believe i aint heard anything more from the FOS since they sent me a reference number, should I copy all the NCO stuff and forward that to FOS too

also had a letter from them today giving me 72 hours notice before they pursue the debt through court. arhhhhhhhhhhhhh this is killing me now, crap one

this is what i sent NCO Dear Sir/Madam, Capital One Bank - Account Number: xxxxxxxxxxxxxxxxxxxx Thank you for your template threatening letter dated 29th April 2008 and subsequent Appointment postcard delivered 9th May 2008, with a further letter dated 15th May 2008, threatening court action, and 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. A formal complaint has been submitted to the Financial Ombudsman Service and acknowledged from the FOS on the 18th April 2008, reference number 7775489/SI/CCJ3. I have contacted you on a number of occasions informing you that this matter 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. Furthermore; Please be advised that I will only communicate with you in writing. I have noted your repeated attempts to contact me over the past few weeks and these have been duly logged by time and date. Furthermore, should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you. There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance. Copies of this letter and your correspondence have also been copied to the Financial Ombudsman Service. I look forward to your reply. Yours faithfully,

bump urgent, need some kind of letter if possible to had to the guy from NCO if he should call round tomorrow (Tuesday)

yes but as we all know capital one will probably default your account, the reason, becase they can. I too am having problems with them, they defaulted my account whilst in dispute, complained to FOS at the beginning of April, only had a reference number from the FOS and my debt has now been sold to NCO Europe, whom i have informed that the account is indispute. only to receive another letter from NCO telling me someone will be calling at my home tomorrow (Tuesday 13th) to discuss my outstanding debt. so basically capital do as they wish

bumpl please

does anyone have any kind of template letter I may steal from them regarding this kind of situation.

lol yes, but i will have to have a day off to wait in for him all day, perhaps i should be really flipant and hand him a bill for days lost earnings too, as i have to be at home all day from 9am to 9pm waiting on the off chance his does actually turn up. any other thoughts from anyone else

bump

wel this seems to get better and better, had a post card delivered from NCO today, informing me that a MR such and such will be calling to home on tuesday sometime between 9am and 9pm... what should one do, helllllllllppppppppppp please