Good info. It has been resolved (Sort of) but still no SAR. The last thing I got was 2 days ago, yet another copy of my application form and a letter stating that my request was now comlpeted! Don't know I ishould reply or just let them get on with what ever it is they think they are doing.

Just to update: Sent letter to fredricksons Had the "we are returning you to Capone" reply. also had reply from information commissioner saying that Capone are within their rights to insist on a signature. Still waiting for a reply to my SAR request (Been 42 days so far)

Done. Hope It Helps

Hi, I have still not had any reply from FTC but have now had a letter from Fredickson International who now say that they are dealing with my account for Cap1 and give a long list of things that will happen if I don't phone them. Do I send them the same "Bemused letter" as FTC? Might sound like a silly question but...... Thanks in advance for any help:D

Just as an up date, got confirmation that the information commissioner is looking into my complaint but they have a huge backlog. Looking at other posts I am not supprised as Capone are not intrested in sorting requests out or dealing with anything at the first time of asking.

Back Again! Sent the letter and got a reply stating that the account was on hold untill 08/03/10. Not had any other notices have they handed it back to Capone or am I being too quick off the mark?

Thank you for the advice but I still think it is worth a shot. I know that I have the debt to repay but would like to do it at a level I can afford and still live. Can I still post and pick your brains as this unfolds? Thank you for the help.

Noted and in future I shall leave it to the experts and not put foot in mouth. As to the points you rasised. 1. I have nothing saying what the credit limit was to start with. 2. The doc's posted are as thay came in the SAR. I did get a copy with T&C's but they state charges at £12.00, would I be right in thinking that they are new and so not relevent to these? Thank you for your time and help

As it has no credit limit or APR then I would say no. But I am no expert.

Hi, I have a thread running on Cap One and have used the same info on this claim with MBNA. Long story short asked for CCA on 16/10/09 had nothing so sent SAR, Got that back 27/03/10 with the attached scan in it. I think it is an application form and not compliant, could someone with more know how than me please have a look and confirm one way or the other. scan2.pdf scan3.pdf

I have sent them another letter stating that they do not need my signature to send my SAR and that the clock is still running from 16/02/10. I have also sent a report to the inormation commissioner along with all the relevent letters. Should be intresting to see if that wakes them up. Thanks for the help.

Hi Again. Got a reply from Capone saying that they still need a copy of my signature on a passport or driving licence. I was going to send them a copy of the application form that they sent me as my CCA. Do you think that they will accept that?

Thought that was the case, just wanted to make sure of my facts before replying. Thanks for the help.

Just got a letter from Capone regarding the SAR request. They say that as my signature on the request is not the same as the copy that they have on file they will not process my request until I send them another copy of my signature.I did change my signature as I don't trust them not to do a "photoshop job" Can they do this?

Just as an update. Sent the "Return account" to Capone letter in response to FTC and also sent no doorstep callers letter as they had said they would send someone round. Got a we have put account on hold and will contact Capone. SAR sent on the 16/02/10 recorded delivery.