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  1. its to do with ge capital (first national tricity finance) just wondered if i should send account in dispute letter
  2. just got letter from these acting for activ kapital threatening issue of a claim against me in my local court i cca'd thames credit in march 2008 for such credit agreement but never recieved anything.this letter also has a proposition to dispose of this at £40 a month installments with a attached direct debit mandate to fill in what is my next action as i have read on here that buchanan dont usually reply to letters please help
  3. can anyone tell me if a debt as been assign to someone else does it mean that you owe them and not the original creditor
  4. has anyone got a letter to use for cputr2008 thanks
  5. Had a overdraft with first direct but lost my job told them that i hadnt any money coming in now its with clarity and i have told them the same i now rely on my husband for our income now clarity have asked for income and expenditure. Question is it is my overdraft not my husbands what do i send them as i cant expect my husband to pay please help
  6. thanks uncle but i have tried that but they still come back this time with 10 pages outling terms and conditions nothing with my signature on i will send a bemused letter to them with the application with the application highlited to show themit is a application for a credit card not a cca i have seen other posts with cap 1 with the sameapplication formand people on there say it is totally unenforceable
  7. if you read my post i have put in capitals application to me this a application for a credit card not a cca
  8. the paper i have recieved again today has heading credit agreement with my name and address on it then underneath CREDIT CARD AGREEMENT CREDIT AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974 please issue me a capital one credit card and pin.i confirm that all information i have given is true and complete.i understand that this information will be checked with fraud prevention agencies and if i igve you false information and you suspect fraud you will record this.i authorise capital one to search the files of any credit reference agency for my APPLICATION and to help you manage my account. i have read the terms and conditions setting out the agreement with capital one and ,if my APPLICATION is accepted i agree to be bound by terms and conditions by signing this APPLICATION you agree that information about you may be used like this regardless of whether or not you APPLICATION is accepted i have made application in capitals as to me it is a application for a credit card not a proper c.c.a this is about the 5th time they have sent this after asking for a cca do i send them this back with the application highlighted to show them it is a application for a credit card not a cca and see what happens next sorry i had to write it out but cant scan
  9. lowell have said they have prchased a debt from capital one i had awhile ago can they ask for payment when i dont have a agreement between them only cap 1 which the agreement is dodgy any help would be appreciated
  10. couple of days ago been busy at work forgot to do it earlier
  11. now got a letter from graham white solicitors demanding payment but having reading on here they are from same address and probably a [problem] to make you pay and also people have reported them and they are under investigation for there tactics do i just ignore letter as i have sent out cca but havent recieved anything back yet
  12. lowell are saying that my dispute doesnt stand as capital one have sent the required information the so called credit agreement looks like one but in the small print it states if my application is successful they with give me a credit card thus i take it that it is an application for a credit card but with a heading of consumer credit agreement please help
  13. it is for a catalogue account it has been going on since feb 2007 last payment made on account was 1 june 2006.wescot was the original dca but after asking for cca they gave it back to littlewoods then it went to phoenix
  14. got letter of these today giving 14 days to pay but have already sent cca to original dca wescot who sent it back after they couldnt produce then went to phoenix who got a account in dispute letter they passed it on to frederick international now got letter from bryan carter. i am currently unemployed and rely on my husband for money so i havent got any money to pay these if it went to court can anyone help with a letter i need to send and who do i send it to bryan carter or frederick
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