Morning all, thanks for quick replies yesterday, so, Crap one can sell account to a DCA who act wholly illegally with threat letters, also can't come up with original Notice of Assignment, the DCA give up because they know I can smack them with all sorts of problems because I have the proof letters from them that can land them in the ****. So , off goes the a/c back to Das Crapital, who then think - right, We acted illegally by not giving notice of assignment the first time - which is illegal in itself, so to make things correct this time we will send a letter that says Notice of Assignment BLAH BLAH - My point is this , Das Crapital couldn't do that the first time - so what makes them think that by doing it this way it makes things look correct in the eyes of the law, you see they acted blatantly illegal the first time, so should I complain again to the FSA and tell them whats going on - God - do I make sense to anyone and can you see where I am coming from with this - Phew.

Anyone shed some light onto this all you fellow haters of scumbags in the finance sectors. My wife had peobs with cap 1 last year - went to Crapquest - they gave her the most unbelievable trouble anyone could imagine - we CCA'd them - we got copy of application form, their letters inferred that if it went to court and she did not disclose her financial affairs a judge could imprison her -when this came through I was all for driving down to their head office and sorting out the person who wrote this - but common sense prevailed and won the day -I compained to FSA and Crapbot said it was back in hands of Cap 1., We got letter through yesterday and Cap 1 wrote the following: "We hereby give notice of Assignment of the debt due to us from you in respect of the balance of BLAH. On the 12/02/09 your account was sold to Lowell Portfolio. - now then - in exactly the same post drop Lowell sent a letter( how convenient for them to arrive with the same postie) " I write to inform you that your cap 1 account has been sold to us - we have been appointed as duly authorised agents to recover the outstanding balance BLAH BLAH BLAH. Now - we could not get a notice of assignment from Capquest or cap 1 for Capquest handling, they got their fingers wrapped of FSA for their conduct previously, so my question is - they knew thy went about it the wrong way the first time - so how does this make things correct in their eyes the second time, and also if a debt has been sold once how can it be sold twice and can anyone tell me what chicken **** are they playing at now, is it legal or are they chancing their arm, after the threats the first time off their preffered collectors I am not in the mood for this ***** or these t****.

Hey blueda, like myself, how many more letters are they going to send in that vein, stalling for time all the time, blaming the original so called creditor, send them something to counter like show your cards now or chuck the deck and leave the table and forfeit the game. I have just told them to walk the plank and feed the fish coz fish feed off sick SHARKS.

Listen up people,this will get you interested - this should be on all threads - someone I know and its not me, has a business, and he got a letter today and on it in red capitals is NOTICE OF ASSIGNMENT OF DEBT. So people - take heart, why are the companies on here having problems supplying these. It obviously shows that this mentioned co. does things strictly to laid down regulations, and it shows that these companies on here are full of crap when they say we dont need one or they cant find the information - utter ballcocks., now that I have seen this wonderful proof -I am just going to tell those that cant give me what asking for when CCA'ing to 25422 off.

Thanks for reply AD666, Tradepro phoning my mate like there is no tomorrow, he is rejecting all calls on my advice, they sent letter saying they want to help, the problem is that it seems anyone can set up a credit card co. I have told him that that credit card companies come bottom of the pile i.e Mortgage/rent/council tax/gas/electric/food/living expenses/csa/fags/booze - oh and if you have £1-00 left split it between your ten credit card companies and let them fight over the bones like the vultures they are.

Just tell them all to take a hike - what they gonna do at the end of the day - keep sending scare tactics cause they are limited to what they can do - they run out of ideas - the reason they dont pass you back to original creditors is because they are stuck with the debt they aquired and would be happy to recoup the costs they incurred by taking it on. I have more important things in my life than kow towing to these prats - i have had threats in phone calls and all i do is say can i take your name because if you keep talking to me like that it is only a 4 hour drive to where you work and i shall sort it out with you face to face and i know who will be standing at the end of it so watch your mouth laddie.

Hi guys, Can anyone help with this. I CCA'd my matescredit card co. and enclosed the statutory £1-00 postal order, they sent him his Jan statement and guess what, they used the postal order as a payment towards his balance and it clearly shows this on statement, but they sent his signed application form - anyone tell me if they have commited an offence by doing this.

Can anyone help with this PDQ please. Sent CCA to tradepro, enclosed £1-00 postal order, they sent application form. They then sent a statement and they have used this £1-00 as a payment from the account that shows on the January statement. Have they commited an offence by doing this.

Good morning all on a wintery Sunday. AKTIV KAPITAL - God they have chosen a name havn't they, sounds like some neo nazi right wing collection thuggery agency. I sent off my CCA to them on 22/01/09, got reply to say they were working on it on the 26/01/09 today is 8/02/09 and still nothing - wll if nothing in post on Monday their 1000 year reign in my opinion is coming to an end with a letter telling them that This will be MY finest hour.

Hi Libra007, In my case If Cabot can't come up with the goods in another week or two, and continue to prevaricate with letters, my reply will be simple. - Foreign Office - thats being polite, I certainly won't be waiting as long as you for them to be ,looking for the blasted document, just tell them to get lost.

Hello all, happy Saturday, Just reading about your CRAPBOT probs - they are bunch of highly untrained monkeys who react like Pavlovs slavering dogs. I to received a letter today -they always send them at weekend to think they can ruin it for you - it used to till we sussed it out - they hope it will cause stressful arguements in the household so you reach breaking point and cave in - HORLICKS. Anyways to my letter -same as yours ; Your Request: WE write further to your request for information under sections 77 and/or 78 of the CCA 1974. Although Cabot have requested the information, the original lender is experiencing a delay in retrieving the information from its archives. We shall send the information as soon as we receive it. We wii As a gesture of goodwill put your account on hold until we receive further communication from the original lender, yours BLAH BLAH. We received a letter on the 26/01/09 to say that if no information is forthcoming after 28 days we will write and tell you what you should do next, if this is the case I don't see a need for this current letter, Oh sorry yes I do, what they are saying is "Oh dear, we're in deep so make it look like we are doing something positive so as to scaremonger them" We are no longer scared by these vermin, in fact I relish the prospect of a good battle

Thought you might like this one My associate who I am helping with his skycard received what they thought was the info I CCA'd them for - wait for it - A shabby print of two A4 pages of terms and conditions, no box for signiture for application - in fact no signiture, name - NOTHING, just his typed name which they did at top of page and his address - well they would have this wouldn't they because they had to reply to this somewhere!!!! DUUUURRRR - Comments please caggers, especially when today they are announcing bonus payments to bankers again - WHAT FOR I thought we were supposed to be in deep crap so how can they be earning bonus when nobody is lending therefore nobody is saving ( interest rate at historic low ) People - it is simple - the masses are being shafted well and truly by the institutions - so two fingers to the lot of them

Hey all, Seems like they at AK write what they want. I CCA'd them 22/01/09,my reply from them dasted 26/01/09 "We can confirm that we are currently in the process of obtaining the original documentation on your behalf and will be back in contact shortly." - shortly, thats a bit of an open ended statement, I gave them the usual 12 plus 2 - today the 4th still waiting, seems like they have a different answer for every request. This is for a supposed card off 10 years ago, and has everyone noticed its the same printed signiture on every reply, well smudgy copied.Also on the back of the crappy paper its on, iare the ways you can still pay - God do they still try it on - what part of NUMPTY dont you understand.

To answer your question, Tradepro charging someone I know 54.9% APR and 4.474% monthly charges, so on for eg. £5,000 monthly payment £230-00 , only £5-00 YES FIVE POUNDS comes of the debt, so calculator out time - in 12 months they get £2,700 and only £60-00 comes off actual debt, even the Mafia might think this is extortionate, my pal will be dead and buried before even a portion is is repaid. the thing is, these leeches know what they are doing and the authorities do nothing to regulate them or say enough is enough on how much APR these reckon that they can increase, of course if you have a high debt they will up rate because more on payments more on profit, if real probs just say you are filing for bankrupcy and they will sh## themselves stupid cause they don't like hard work. What people really need to do is write to their MP and see if they will take it on in Parliament - remember that is their job to listen to you, the people that vote and pay them so they can stick their snouts in the gravy train.

I got reply through today saying they have temporaraly removed my wifes phone number from their records following my letter of complaint, this is a letter received the day after their first letter you know the standard waffle we are your mates, we want to help, this way to the showers ladies and gentlemen, you will be safely looked after and resettled in the east. Just looks like they are trying to look like they are doing something useful whilst desperatly trying to see if they have any signed documents they think they can produce, and the tone of their letter has changed by saying we have a duty to pay what they say is owed.

to mysticpolso6, re cabot, that is the same letter from cabot that I was talking about on here yesterday that you are on about. Here is my solution, we each purchase each others debt for 10p in the pound then forget about it.

Hi all, This one actually threw me with reply, I CCA'D Cabot on behalf of the wife and enclosed the £1-00 Postal Order. Here's what the reply was. The Cabot group is not obliged to provide this information but we are pleased to help and have already requested the documentation for you from the original lender. Cabot DOES NOT ACCEPT the statutory fee required under section 77 and/or 78 of the consumer credit act 1974 and as a result Cabot have returned the fee for £1-00 that you sent. They then put under a heading of WHAT HAPPENS NEXT, We anticipate that we will be able to supply this informationwithin 12 days. In the event we are unlikely to obtain this information within those time limits, we will write to you again. My question is, Are they playing ball??? They say they are not obliged, and they returned the fee. Can anyone throw some light on what they are playing at and what my next move should be. Much appreciated

Hi all, 1st time on here, ideas how to get charges back for skycard.