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About TadThomas

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  1. Has anybody read anything about anyone getting their Capital One agreement actually declared unenforceable at court and how they did it? I really want to get these credit file entries removed, and I don't think I'll be able to do this without a judge declaring them unenforceable, or without using case histories to convince Cabot/Capital One to get it done. CPR says that I can't formally request any documents from the 'other side' (creditors), but a judge can order they provide it if I apply to the court. I don't know if this would have to be during the 'allocation' stage, or if I c
  2. Hi Ida, I sent that response to them on the 5th June. I altered the template and accidentally mentioned the CPR in the letter heading, as I thought that I'd also requested info under CPR, but haven't. They responded with: http://i719.photobucket.com/albums/ww200/runmonkey/CabotResponse180609.jpg That is the situation regarding Account 1, to 28th June. ____________________________________________________________________________ ____________________________________________________________________________ _________________________________________________________________________
  3. ***ALTERED POST*** Well, for both accounts I used the CCA1974 template, from here. For Account 1 I used a slightly moulded version of your template at #4, above. It mentions the CPR, because I confused it with Account 2 stuff for a minute. The letter I sent to Cap1 in relation to Account 1: (http://i719.photobucket.com/albums/ww200/runmonkey/Cabot050609.jpg) They responded with: http://i719.photobucket.com/albums/ww200/runmonkey/CabotResponse180609.jpg In addition: they haven't responded to a request under CPR (Civil Procedure Rules) prolly coz I forgot to make on
  4. ***ALTERED POST*** This post is concerned with Account 1 held with CABOT (now). These were sent to Cap1 (Credit Solutions) in relation to Account 2: http://i719.photobucket.com/albums/ww200/runmonkey/CapOne41240609Page1Blank.jpg http://i719.photobucket.com/albums/ww200/runmonkey/CapOne41240609Page2Blank.jpg It is relevant to this post, as it concerns a mix up with the agreements between the two accounts. Capital One now know that I have noticed their confusion, and that they've sent the wrong copy application forms out to me and to the company who now own Account 1 - CABO
  5. Hi. Well, I've just received this through the post. http://i719.photobucket.com/albums/ww200/runmonkey/LatestAgreementfromCreditSolutionsB.jpg To clarify this, I have two accounts with Capital One. I'll call them Account 1 and Account 2. Account 1 has £1200 outstanding and Account 2 has £500. Both are credit cards. Account 1 has been bought by Cabot. Account 2 is being collected by Credit Solutions. I made a CCA1974 request for Account 1, and Cabot sent me an illegible copy of the agreement, so I wrote back and asked for a clearer copy. (The copy of the agreement is linked at #
  6. Well, here's the response I received to that last letter. It's quite confusing to me. I have read somewhere on here that the terms and conditions should be contained within 'the four corners' of the document? It also refers to the Consumer Credit (Agreement) Regulations 1983, which, she claims, negates any argument regarding the form and content? Could someone help me formulate a response, please? They keep saying that the signature form doesn't have to include all the Terms and Conditions, so long as the form refers to another. They have also refused to comment on the fact tha
  7. Thanks Ida. Yes, they are separate sheets of paper. One of which seems to have no date attached to it, but a '2003' written in the corner, which is later than the signature date. I'll send your letter off and see what happens. Thanks again.
  8. How you going with that timescale of torture?
  9. Hi I'm not sure if this response is sufficient, or not. The tiny 'credit card account agreement' typing at the bottom of the page is almost illegible, and was accompanied by a poorly copied standard, unsigned, description of a credit agreement. Is this thing that I have signed an actual agreement, as it's headed 'Easy Application Form'? Capital One sold the debt to CABOT in January. I made the request for this information on the 27th April, they acknowledged receipt of the request on the 29th. They wrote to me twice to delay the response (CABOT couldn't retrieve the informatio
  10. Aw, well done. Like everyone else, I can put my hand up to how hard it is to get through the first few days. Just wanted to add something. I've given up many times. I smoke, socially. I found it very difficult to give up the first time - used Zyban (which drove me cuckoo). Then used the patches (by buying the larger ones and cutting them into smaller and smaller pieces). Now I use chewing gums for a few days. I smoke for about 2 or 3 weeks each year, on average, at most. Giving up gets easier and easier. I don't tell myself I can't, I just tell myself I can when I really want to, and not
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