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ngj78

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Everything posted by ngj78

  1. ngj78

    NGJ vs CAP1

    So am I right in saying that I simply wait for a termination notice and then dispute my CCA again? or do I wait and dispute the termination? Thanks as always.
  2. ngj78

    NGJ vs CAP1

    Thanks for the response. Default notice viewable at.... Page 1 http://i557.photobucket.com/albums/ss15/njohns78/CAP1/Cap1defaultpg1.jpg Page 2 http://i557.photobucket.com/albums/ss15/njohns78/CAP1/Cap1defaultpg2.jpg Thanks as always.
  3. ngj78

    NGJ vs CAP1

    Ok, my account is officially in default! Could someone advise me on my next step? Many thanks.
  4. ngj78

    NGJ vs CAP1

    the update from me is that i've not fallen about 3 months behind, and currently can't see how I can get back on track. Therefore I've decided I have to take them on as my credit score is on its way to being wrecked anyhow! What is my next step? I'm being hounded by calls - now from one I believe to be a debt collection agency. Do I write to them again disputing the CCA and stating again I want to put my account into dispute or do wait until they write to me? Thanks Nick.
  5. ngj78

    NGJ vs CAP1

    A slight development is that I've fallen two months behind on payments. I started my own business a few months back and money is currently tight. I expect I will be in a position to get on top of this shortly but now wonder if I should? I'm about 40 days and 70 days behind on two payments now, so my credit file will start to look shoddy anyhow! Monthly payments are about 350 so it is quite an outlay for me. Given the size of the debt (and my current work commitments) I'm even half tempted to get someone to work on my behalf (I do recognise there is a cost associated with that). I'm w
  6. ngj78

    NGJ vs CAP1

    Right, I've been slow getting this uploaded, as was Cap1's reponse... but attached is a copy of a letter I received back from them. Now that they have located the CCA (or what they are claiming to be!) they included this too - this is the same as before. A signed application and then T's & C's seperately. Page one of the letter: http://i557.photobucket.com/albums/ss15/njohns78/CAP1/Cap1DecLetter0001.jpg page two of the letter: http://i557.photobucket.com/albums/ss15/njohns78/CAP1/Cap1DecLetterpg20001.jpg Thanks in advance for your advice folks. Mr_J.
  7. Dear all, I've been following other threads on here as I've been in the same situation so didn't want to repeat. Like others I received my CCA and I sent them this letter: The agreement is improperly executed under section 61(1) of the Consumer Credit Act 1974 and associated regulations. 1.According to the Consumer Credit (Agreements) Regulations 1983 (Schedule 1), this agreement should have been given the heading “Credit Card Agreement”. In fact it has been incorrectly headed “Egg Card Agreement for (my name) “and, subsequently, “Credit Agreement”. 2.Additionally, no “Credit L
  8. Any input on reasons why this CCA isn't enforcable is greatly appreciated. For one I can see relevant fees aren't specified. Any other input would be most helpful. Thanks in advance. NGJ. http://i557.photobucket.com/albums/ss15/njohns78/Tesco/TescoCCA.jpg
  9. ngj78

    NGJ vs CAP1

    Thanks Silverfox. My only charges since I've had the account is the odd £12 late fee. My credit score has 3 'slightly delayed' marks for this year for payments that have been a month late, so isn't in too bad a state, hence why I want to keep paying. Just wonder how seriously they will take me if I keep paying though! Thanks.
  10. ngj78

    NGJ vs CAP1

    can anyone help on what my next step should be? do I send an account in dispute letter? If I do this do I HAVE to stop paying? I don't really want to as don't want to dent my credit score. Thanks Mr_J
  11. ngj78

    NGJ vs CAP1

    thanks silverfox. I did CCA them originally. I didn't include that in my post as it was the same as others received - a generic copy of the current terms and conditions, that was why I was surprised to receive anything back to my SAR with my signature on! Thanks.
  12. ngj78

    NGJ vs CAP1

    Thank you fox. Very helpful. Can I ask which letter I should now send? Thanks again. Mr_J.
  13. ngj78

    NGJ vs CAP1

    sorry if I'm still being slow, I've read loads of threads but struggling to see my next step. Others I've read are from behind in payments or who have PPI issues - of which I have neither. I'm still paying as I don't want to put marks on my credit score (as I'm starting a business and seeking funding for that). Thanks in advance. Mr_J
  14. ngj78

    NGJ vs CAP1

    Jogs, are you suggesting that this isn't valid or what they have sent isn't a CCA. I've just rechecked my links and I see its called Credit Agreement but that then the CCA information is on the back - surely it should be before my signature. Sorry if I'm asking obvious questions, this is the first card I've got to at this stage. Thanks in advance for any other comments/feedback. Mr_J
  15. ngj78

    NGJ vs CAP1

    Hi all, I've been piggybacking others threads to date, as they had recieved the same letters as I had - recent CCA etc. However today I got my SAR info back, which did come as a surprise. Included in it was my original signed agreement - which was oven more of a surprise. Any feedback as to whether this is valid and next steps are greatly appreciated. Like all on here the sooner I can deal with this the better. I have toyed with seeking (paid) professional help as my debt is over 10k. Again feedback on whether that is useful (and may save me money is appreciated - i p
  16. sorry just re-read the post and guess I should also add that I believe like everyone else I have a non valid CCA. They've sent me their standard terms unsigned like everyone else. My next step is SAR to get my actual copy, so just wondered at which stage, if indeed any, I should stop paying. Thanks again.
  17. ok.... if I keep paying can I claim that back? - If I'm successful in court. I don't want to pay if I'm not going to see the money back. Also if I keep paying Capital One won't have an issue with my threats - why would they if I'm still paying. And finally I could do with saving some money!! Thanks Mr_J
  18. Hi all, Capital One must be very busy at the moment as we're all getting the same response!! My question is should I keep paying? I have owe about £50k which is somehow 'just' managable - payment wise but not mentally! My credit score is actually ok, with no late payments, so I'm concerned of harming it. However I have been paid late this month, and expect to be next month - so although I can pay my £300 odd to CapOne could be one I could do with not paying. My mortgage terms ends in October at which point I'll be put on their standard variable so the reality is I won
  19. I too have received what appears to the be the same document back. Can I ask if this was signed would they have deemed to have supplied a CCA? Also should I stop paying immediately? My credit history is all up to date so I'm a little concerned about ruining it! Thanks in advance.
  20. I also received the same one last week. You've saved me uploading mine Jacky, so await help from others! Thanks also in advance.
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