Sorry to hijack the thread! I asked MBNA for a R185 certificate and apparently they don't do them! Being as they have never had my tax details do you think they are pocketing all this tax money ready for their next night out! Looking forward to your reply dx

Was just getting ready to prepare my CCA request when i came accross this post. I also had the fake looking letter from the origanal credit card company dated 8th July and the Freds one dated the 11th. Both of them came through my door on the 9th! So there is the prof that they do indeed have magic powers!

Hi mate thanks for replying. It's about £200 in total by just looking at it While checking some paperwork tonight i found this letter that they sent me. Dear Mr Important information about your credit card agreement please find enclosed a copy of your credit card agreement which was applicable when you opened your capital one account. we have sent this as the original copy which came with your credit card contained a printing error. since opening your account, your credit card agreement may have changed and you will have recived a notice of variation setting out the details of the changes. if this is the case then the enclosed financial details are NOT your current terms please accept our apologies for any confusion caused. if you have any questions please call us i never received any other documents as my mrs keeps them all!! does anyone think i can challenge them on this. i never activated the card and only used it for a 0% balance transfer. i'm not really sure what i'm doing so any advice would be great

Hi all i've been reading this forum with intrest as i am thinking aboot asking capital one for my cca as i lost my job couldn't pay and they defaulted me and passed it on to foc or whatever there called. While checking some paperwork tonight i found this letter that they sent me. Dear Mr Important information about your credit card agreement please find enclosed a copy of your credit card agreement which was applicable when you opened your capital one account. we have sent this as the original copy which came with your credit card contained a printing error. since opening your account, your credit card agreement may have changed and you will have recived a notice of variation setting out the details of the changes. if this is the case then the enclosed financial details are NOT your current terms please accept our apologies for any confusion caused. if you have any questions please call us i never received any other documents as my mrs keeps them all!! does anyone think i can challenge them on this. i never activated the card and only used it for a 0% balance transfer. i'm not really sure what i'm doing so any advice would be great.

Hi everyone i'm new to the forum and have picked up some helpful advice. I was just wondering if anyone can help with my problem with Capital One. I lost my job a while ago and i have got to the point where i couldn't pay them any money. I used the stop intrest charges template letter which they ignored. They have now sent me my default notice and am now getting calls from FPC 4 times a day( i haven't answered yet!) but i have no letter from Cap one saying that it had been passed to them. Do you think i should request the cca from cap one? i'm a bit puzzled by it all! any help would be appreciated. I opened the card in 2008 i think online if it makes a diff!and does it matter that i never activated the card and only did it for a 0% balance transfer