Hi GillyPam I am having the same problems as you I have found out the BOS with TFC is void and they have failed to take the car because I told them it was illegal. I have had the agreement looked at by Stephensons and they say its above board.Surely a company that gets you to sign documents that are illegal should not get away with it and it should effect the credit agreement.

Thanks to everyone with uploading the photo,I have used Photobucket before with no problems.

Hi I was wondering if someone could help me I asked Capital One to send me a true copy of my credit agreement the attached image is what they sent. I have signed it but i have removed my deatails from the image am i correct in thinking it is legal as i thought it was? Cap One obviously said it was I asked trading standards to have a look they were no help at all but if it is I told Cap One I would commence some sort of payment that I can afford when they remove the charges they applied whilst the account was in dispute and they completely ignored my letter.Problem is I made the mistake of not sending the letter to the by recorded delivery they have applied further charges since and I was sent a letter by H L Legal Solicitors on the 24th April stating that unless I made full payment to Capquest or a reasonable offer they would start court proceedings against me if i didnt pay by May 7th but i have heard nothing since,what should i do? Could someone please tell me how I put the agreement on here please im using photobucket.

Hi all, I am hoping somebody can help me out with my Capital one cca.I sent off the standard letter requesting a copy of my credit agreement and was sent out a copy which states the apr etc I signed it but didnt date it.What i would like to know is, is it legal without me dating it? ( it was signed and dated by capital one also). Also if it is legal and i have to commence payments again how can I get them to drop the charges of the account? they were sent the letter which said they could not apply charges while the account was in dispute but continued to do so if I have to pay again should I have to swallow the charges as well? Many thanks

Hi, we have cca'd all of our creditors/DCA and have had various responses - mainly no enforceable cca! We are at the stage of waiting for final responses.We have had a few that have got back to us saying that they will not be pursuing the debt but they will still hold the details on their internal files and also on out records with the CRAs. I would like any advice on getting these removed as Im sure there is something in the Data Protection Act covering this saying that they cant do it as I never signed a cca. Also has anyone had any success with claiming back the charges and interest with these unenforceable agreements? Any template letters and help would be gratefully received....

Revised upload capitalone-2-2.jpg - Image - Photobucket - Video and Image Hosting

yeh, i realised after i had uploaded it. Too late now - but they are old phone numbers anyway. Does anybody think its enforceable tho?

Hope it works!!!

Right, i should be able tp post the link in my next one!!

no 4

no 3

ive done my best with photobucket!! I cant post it as a link cos i havent made more than 5 posts!! So il have to make it up to 5!!

Im new to this, so please bear with me! I have sent off for mine & husbands CCA from several companies (mostly DCAs) and have only had a few replies, but ones that cant find our CCA! Ive had this from Capital One (ive attached a copy of what theyve sent me) and would appreciate a second opinion. Its titled Credit Agreement but all down the right hand side is the things you fill in on the application form. This was before the account was opened as it is offering me the priority processing service so id say was before they even processed the application thus this being an application form. Also it has been signed by me but I have not dated my signature. Capital One have signed and dated it where they were supposed to. Any thoughts greatly appreciated