Any help please?

Also do i add up the overlimit fees? Could someone explain how i do this correct so i dont mess it up please

Hello Well I finally got my SAR info back, Im a bit unsure how to add it up? Do I just add all the £12 late fees up and total it? Or do I need to add %APR onto it or something? Many thanks

Almost 2 years and a half

Hello How long does it take to get an SAR request back? As ive not heard anything from them yet

Hi Im new to this site myself, From the advice Ive been given and I learnt the hard way by bullied into making payments over the phone so I do know how it feels so I don’t speak to any now You could also send them a letter then you don’t want no more phone calls and do everything written so when you son does come home he don’t get bullied or harassed by the phone calls Also In your letter maybe write he’s on JSA? And that £50 a month is too much. Im sure you might already done this in your letter but just my two cents, Im not sure about this “But can’t you get some written letter from your local doctor saying that he’s not in a good proper frame of mind” ? And maybe send that with the next letter you send out (maybe someone else can advice on the doctor part as im not fully sure on it)

Thank you debbbbsy

Thank you V would it be best to wait untill i get the SAR paperwork first before sending IE/OE an 2nd time?

Hello I recently sent a SAR (on 28th) to capital one and which it was signed for but today I received a letter stating: (quoted from the letter) If you are in receipt of any benefits, a recent letter that confirms that type of benefit amount and how often you receive the payment and a complete bank statement dated within the last 3 months showing receipt of the income and general expenses Please send photocopies… Income and outcome was sent on 9th On 23th got a confusing letter saying “ Debt Collection Agency has instructed an appointed representative to act on my behalf? *WHAT*? My letter only has an CCCS ref number on due to the advice I got form them so clearly that have mistaken which in return got a letter dated 24th Feb. saying the signature didn’t match on my application so forward the information to a different address. ((Nottingham) Well ive already done the income and outcome. went to the Debt collection agency which clearly they got as they was informed of some appointed representative to act on my behalf which is clearly nonsense as I only have an £1 a month to do token payments So clearly they have got confused thinking CCCS is doing an DMP with me but as ive only got £1 a month to each debt ..CCCS only does DMP if you have more then £5 each for every debt so clearly im not in an DMP with CCCS Seems to be lot of communication problems from they debt agency before hand and now capital one Do I really need to give that bank statements? Ive got 2 bank accounts, one if well way in debt due to overdraft and the other is where benefits get paid and my partner sends me money due to we moving soon so im trying to hold the money all in one account for rent in advance, bills etc but we not moving till we get points system from the council but as my partner is having a baby soon.. Clearly we have to move due to no space and over crowded (due to the fact the room (well size of a bathroom ) and no way you can fit me, her, baby, baby stuff in that room, just impossible (when baby is born) Which clearly my bank statements will show Silly maybe sending the money to my account but she don’t have a Visa card due to debt and bad rating many years ago so she’s stuck with a cash card I don’t want them to think “oh that’s your money as it’s in your account. which in all fairness its my partner benefits as the council app was put in my name and ill be paying all the bills and rent etc when we move via direct debt so that’s the only reason the money is in my account. But we as we aint moved YET and still in the process of looking and waiting for council I don’t want them to be well give the response oh you don’t need the money yet Clearly we are struggling to either put the money to one side so I don’t want them to take it due to owning money to people,(debts) I sent an SAR on the 28th to them as clearly due to the fact ive had no statements for ages, and not many letters until now and such and communication problems stated above So advice please? 1) on sending them statements 2) do I just ignore the recent letters for now due to ive sent an SAR request? 3) Do I just send them a letter stating the fact they ive already sent the IE/OE information due to they communication with Debt collection agency before the debt got handing back to capital one? 4) if I get some fees and such back from capital one its going to lower the balance (as ive missed 6 payments I think and seems to have an extra £300-£400 on top on the balance which I have no idea what that is or from hence why I sent an SAR

Sorry if posted in wrong area was going to post in Alliance and Leicester sub forum but wasn’t sure where it should be posted Silly as it sounds, I had a loan maybe for year or two with Alliance and Leicester before Santander took over, I honestly cant remember if I have PPI on it or not. Seems I have nothing to lose if I can try and get some charges or mis-sold PPI back so I might aswell try and see what happens Im guessing the next step is to send an SAR request to them? Thank you,

Somehow I totally missed this part in your post so Sorry must of been because I was a little stressed due to that silly phonecall In the letter i posted to them I requested for the compaies bank Details so i can pay VIA Standing Order Still awaiting a reply for that one though if i hear nothing then ill pay VIA postal orders

Thank you for your help sea-sidelady

Do I send it to the following address? Capital One Po BOX 5282 Nottingham NG2 3YH or does the SAR letter need to go to a different address many thanks

Thank you, Will send it first thing in the morning via recorded postage

Hello Well yes I know it was silly of me not to do this before and I feel an idiot for not checking, But after going though all my letters and such I seem to have very very short supply of statements and letters from Capital one. Ive not paid the Capital one credit card for 6 months due to not having the money and sorting all my debt problems out, anyhow to be honest I totally forgot about them as they so quiet with letters and never get any phone calls from them was reading up on other peoples posts and such, and was thinking of trying to claim some interest rates and any other charges back Just checking my paper work today I don’t have any statements other then just before Christmas August is the recent one I don’t think I took out protection insurance on it not as far as I can remember anyhow. Well the outstanding balance is £1406 but before I got into debt problems the credit limit was £1000 I explained them to a long time ago when I got into problems I was trying to sort it all out and waiting for JSA etc Last few recent letters was this month from the Debt Collection company was on the 4th FEB of this month from Fredrickson International Limited ( one got 1 letter from them no phones calls) I sent the Income/outcome token payment of a £1 that letter was sent on the 9th of FEB Last letter I got was on the 16th Saying the debt have been moved back to capital one Im confused what to do? seems ive got an extra £400 on top non payment of 6 months? but as got no statements to check cant confirm what fees are and why any advice on this matter please , Thanks in advance. you would of thought in 6 months I would be bombed with letters and calls but nope since I told them I was waiting for JSA and had other debts and such. Been really quiet Yep I know stupid of me for not looking into this sooner but I was confused with all debt stuff and trying to get my head around it all and stressing myself out :\ What type of letter do I need to send them to request statements and show what fees ive been getting etc?

Thank you will add that to the letter, I did speak to the bank regarding direct debts and cancelled all of them and informed them that I don’t want any direct debts set up on this account due to fees and failed payment fees. due to being in debt and fees would just make it worse etc did that a while back once I started to sort out my debts and got a different bank account Just checked online banking and seems ive not been charged no failed payment fees so hopefully be okay on that side of things

Thanks for that Vic, I had a read of that last night and can see why you don’t trust them and to be honest, Well was about to walk down the road to post the “”some communication problems”” Letter which Martin posted up for me Just was about to go outdoors and got greeted by the postman here some letters from you so ah thought I would read them before going letter from Credit Solutions Ltd, FAILED DIRECT DEBT of the £30 a month payment and goes on about the contact us in 7 days blah blah 1) I never paid that £30 by via Direct Debt so that’s a load of rubbish in the first place I had to ring them yes silly of me to call them but I as posted above I learnt the hard way 2) funny how when I was paying £30 it was paid on the 28th of each month then got moved to 1st of each month so I could keep track of people I was paying which they happily did for me and updated the account with a note saying that. And I never had a problem with the payment on 1st of each month 3) so from my point of view. Its a load of rubbish how the letter carries on and says I broke the arrangement Very strange that how it wasn’t due to the 1st of next month 4) a new arrangement was set up to pay £1 a token payment which I posted above Now that is what makes me laugh this letter went sent on the 25th of this month and they got my new offer Token Payment of a £1 on the 23rd so seems they either cant read they account screen correct or really do have some communication problems Now im just going to EDIT and ADD this to the LETTER Martin kindly posted up for me and post it to them which more LACK of communication problems with my account, so ill await the complaints procedure Just got to edit it to my needs. If I get stuck writing it I may need some help

Ah Thank you I will pop in Tesco today as its only 15mins down the road from me Was going to pop into pound land for cheapest stuff too so will have a look around Tesco while im there Thank you once again your all so helpful

Thank you, That’s the address im using for the payments/letters Thank you for the names ill fire a letter off to them and see what happens

Also going to start doing a diary of everything first thing tomorrow morning once I got folders to store everything in so I can keep track of everything Thank you once again I learn so much from this site in my spare time I do read other posts and also learn a lot from them too so everything does help Thank you for the advice once again:)

Thank you so much I did send them a letter with the payment basically saying can you reply with a letter to confirm you have got the payment but seem they didn’t take much notice of that as ive got no such post from them Thank you such much for the letter you posted above and all the advice, I will save that letter to MS word and use it from now on Many thanks guys for taking the time to read and all the advice given

Yes you are correct, Guess I was wanted to make sure they got payment as was due before Tuesday as didn’t want to break the agreement which was set up, Well I didn’t pay them more anyhow as that would means me being short of food to live on

Just an update I can totally understand why people don’t like calling Debt collection companies normally CSL are quite quiet on the phone calls so today I had a missed called from them, well I was going to ring them anyhow to make sure the Cheque £1 Token Payment got to them as I sent it a while back Anyhow call was basically like this The person on the other end of the phone was like oh the call was just about your £30 payment a month I was like errr your agreement was £1 token a month for 6 months and then to be reviewed hes like NO SIR we know nothing of this we didn’t set that up? Err you did? No sir we did no such thing Well that’s kind of funny because in front of me I have a letter from you stating that agreement and what the letter was sent and all the other information Wish for me to go down the road letter and photocopy it and resend it back to you recorded postage few seconds of pause on his end ..then started to be RUDE and didn’t care what I had to say.. his reply yeah £1 token received on blah blah so date… called ended Charming I thought but ohwell.. if they cant be bothered to update they records correct then I can understand why people have so many problems with debt collection companies Yeah maybe I could of handled it in a different way but how the call was going was trying to trick me into paying more so only thing what jumped into my mind was ive got the letter from you to prove it etc

Hi Thanks for the reply original creditor is O2 contract mobile phone of £1500 Was hoping it was computer generated tosh was recently paying £30 a month for about 5 months then requested it to be a £1 token payment due to not having that amount of money and trying to pay off other debts which they were happy to accept and to be reviewed in 6months

Credit Solutions Limited Hello I wanted some advices as im a bit unsure right now on this matter, Basically cutting to the chase, I sent Credit Solutions Limited a letter my Income/outcome and offered a £1 token payment per month that letter was sent on the 9th of February Which I then received a letter on the 17th of February stating the following WE are pleased to confirm your repayment of a £1 token per month for 6 months as this time the account would be reviewed Says the first payment needed to be a Cheque so I sent that right away, so I thought great 6 months of a payment of a £1 was great due to I was paying £30 was clearly I couldn’t afford to do as it was like paying john to rob off to pay bob etc But today I got an letter stating the following Opportunity to Save 50% on your outstanding bill We understand our CLIENT has previously attempt to contact you, but the above outstanding amount remains unpaid It may be that your are currently experiencing financial difficulties to show their willingness to assist you in this matter, Our client is willing to make a 50% Discount on your account Should you fail to pay we will request field agents to call upon you to collect the debt or to ascertain your financial circumstances. Be advised the issue of court processing’s will increase the outstanding amount Solicitor’s cost £80 + 120 Count Fee 1) ive not heard for the OC at all so the client has tried to contact you is rubbish 2) err yeah im a bit confused as recent letter says an agreement of 6months of a £1 Ive kept all letters and such for my records so I thought about just copying both of these letters and ask what happened to the Agreement of 6 months Or is this just a basic letter what gets sent out which to me it seems they have jus basically ignored the 6month argeement which was set up and now heading towards court