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Everything posted by AvengingAngel

  1. 'you are the only one getting confused' - yes, I know, but that comment comes across quite harsh. The problem I have is that in the last year I had an accident and became disabled with a spinal injury, on lots of pain meds, so my brain can be quite foggy sometimes. I think I need an accountant to do the calculation working from the FOS Decision. I just did it using CISheet 101 which is compound interest, only to look at the Decision and it says 8% simple. Ah, but the 'alleged' debt is all PPI, and the reconstitution is far in excess of it.
  2. The claimant on the court form is Cabot Financial (UK). It's very confusing. Either they purchased the debt or they didn't. AA xx Redoing my calculations on up to date PPI calculator.
  3. Hi, I have been reading the Act on OPSI. ‘The Limitation Act 1980 (Extract) c. 58 Part 1: Time limit for actions for sums recoverable by statute. (1) An action to recover any sum recoverable by virtue of any enactment shall not be brought after the expiration of six years from the date on which the cause of action accrued (ie, the last payment into the account). (2) Subsection (1) above shall not affect any action to which section 10 of this Act applies. 5. Time limit for actions founded on simple contract. An action founded on simple contract shall
  4. Yes thank you. My partner has done the AOS for 33 days. I will do the CCA and CPR tomorrow. At least it's statute barred. AAxx
  5. Name of the Claimant: Cabot Financial (UK) Date of issue: 15.09.2017 Date to submit Defence = 17.10.2017 Particulars of Claim 1.The Claimant’s claim is for the sum of £495.00 under an agreement regulated by the Consumer Credit Act 1974, between the Defendant and Capital One Account Number XXXXXXXX and assigned to the Claimant on (date given), notice of which has been provided to the Defendant. 2. The Defendant has failed to make payment in accordance with the terms of the agreement despite requests for such payment. 3. And the Claimant cl
  6. Hello Everybody, This debt to Cap One became statute barred in August 2016. The Ombudsman's Decision was in my partner's favour and Cap One did not comply with it. The account was still in dispute while Cap One sold it to Cabot. My partner has now received an N1 claim form from Claimant Cabot, address for documents Drydens, claiming, 'a sum of money under an agreement between my partner and Cap One. Defendant has failed to make payment in accordance with the terms of the agreement despite requests for such payment. And the Claimant claims the sums of
  7. It read, Dear Sir Our Client: then my partner's name (so they got that wrong) Account no: Outstanding amount: Original Creditor: Cap One. There was no title, ah, yes, it did not say LBA.
  8. Hi, Drydens sent a letter, attached as a PDF, with bits cut out. It arrived today. Thanks x Ltr 21.06.17 AA DF.pdf
  9. Hi, Letter states, 'our instructions are to continue with collections activity in this case. Then says to contact their office by 19 June with income and expenditure information to discuss a repayment arrangement. Then states, 'If we do not hear from you we will issue a letter before action prior to the issue of a County Court Claim against you.' I know the debt was sold on and this is not Cap One. It is Cabot. But would that template letter I sent you deal with this? I thought it came from your site. If not, how do I knock this on the head please? AA
  10. Hi there, You've got a good memory. Yes, it is. I found that template letter somewhere and I was going to send it to DDFF. The Ombudsman ordered that the PPI be refunded and that Cap One should reconstitute the account and send us a copy. While the debt was in dispute and under the Ombudsman for investigation, Cap One sold the debt to Cabot Financial (UK) Ltd. The reconstitution they did was inaccurate and they refused to amend it. I contacted the Ombudsman who was no help. Meanwhile the debt passed into 'statute barred'. So really, I would
  11. Hello Everybody, I trust you are all well. Here's a little ditty, Cap One's Ddff have written, chasing for a debt against someone I know (not me). The last payment was well over six years ago and is statute barred. Below is a template letter. Is this one of yours? [ template removed - dx]
  12. Woohoo! I sent your letter to O2 at Northampton. They told me that they had forwarded it to their Credit File Referrals Team, Credit File Referrals, Telefonica UK ltd, Arlington Business Centre, Millshaw Park Lane, Leeds, West Yorkshire, LS11 0NE. Within one week, without any communication from Arlington BC, the entry was deleted from my credit record which has gone up to 8 points off the top score. Another success for your team. Thank you, thank you, thank you. Mwah xxxxx
  13. Hello again fkofilee, dx100uk and Martin2006, Thank you all for replying so quickly. Yes, the O2 amount was included in the BR. Sensible advice, fkofilee, but I want to get my credit score right back up and just this one account is stopping me. I may be applying for a new mortgage early next year and I don't want to leave anything to chance, so thank you, dx100uk - one letter winging its way to O2 in the post. I'll let you know the outcome. Thanks All, AvengingAngel
  14. Hello Again All, I was bankrupt - discharged in April 2010. All the creditors have deleted their entries from my credit record except O2 who have an end of December 2010, instead of April 2010. I provided their Complaints Review Service person with a copy of my bankruptcy and discharge letter. They are demanding to see a full copy of my Statement of Affairs (presumably from 2010), stating that they have never received this. They state that they will not delete or amend any entry on my credit record without the Statement of Affairs. Surely O2 are not entitled to
  15. Hi All, I work full time I recently finished my probation period. My line manager is inept and did not carry out any probation meetings at all, even though company policy states they must carry out 3 meetings, at certain weeks during the 26 weeks' period. I wasn't asked to complete or sign any forms. The manager didn't complete any forms, though he was supposed to, supposed to sign them, get me to sign them, get the senior manager to sign them, and send them to HR. The manager didn't carry out an induction or any training with me,
  16. So, looking at the sheet I uploaded, am I doing it right? I'll have a go with the FOS and the running calculators. It looks as though I insert 8% 30.34%? I started inserting figures in the FOS spreadsheet, which doesn't work, as the column for 'Card balance excluding PPI' gives the same figure as the column for 'Card balance' (with PPI). I'll have to try the running spreadsheet.
  17. Hi, I have uploaded a PDF of the calculator I was using. I have also now found a PPI FOS calculator on this site. I get confused as to when to apply interest of 8% or interest of what Cap One was charging, ie 30.34%. All help appreciated. Thank you. AA PS, I stopped calculations as at the judgment date, but I would imagine my other half is owed payments up to the date they pay? PPI Calculator_03.01.16.pdf
  18. Hi, Ankit Pande, of the Executive Office, Capital One, replied, saying that they had complied with the Ombudsman's decision, taken some money off, and that my partner owes the outstanding balance. have recalculated the redress amount again and confirm that no further redress is due. they don't know where we get our much larger figure from, that they owe my partner. They also say go back to the Ombudsman if we are not satisfied. they sold the debt to Cabot so they have no connection with the debt anymore. We had a holding email from Drydens. We have had
  19. Sounds good to me. Thank you so much for the email addresses. I will follow your advice. Thanks again. I will let everybody know the outcome. Best wishes, AAngel Oops, it should have had a question mark after it - regarding the other companies being owned by Cap One. Thanks. AAngel
  20. Hi Team, It's a long time since I have posted. Hope you are all well. May I have some advice please. My partner had a PPI claim against Capital One. The Ombudsman gave a decision in my partner's favour in May 2013 and ordered Capital One to do a hypothetical reconstruction of the credit card account, remove the PPI premiums, interest and charges, and interest on the charges; pay my partner the difference between the closing balance and what the closing balance would have been without the PPI; pay my partner 8% interest on the account and 8% on the differen
  21. Hi, Re “A PPIreclaim does not make it unlawful to sell a debt on to a third party.” I am surprised to read that because I have previously taken advice from this site that an account cannot be sold on while it is in dispute or under investigation by the Ombudsman. My other half did send the matter to the Ombudsman for MBNA for a ruling on the PPI claim, and the Ombudsman ruled against my other half. We have never followed it up by taking it to the independent adjudicator as my other half now has a serious illness, and we have been dealing with that. We
  22. Hi, if this has posted twice, apologies. I just tried it and it didn't seem to post. MBNA sold my partner's credit card account on unlawfully while under investigation for a PPI claim. We offered without prejudice to settle the matter for £250, twice, and this was ignored. Experto Credite and associated companies have chased my partner for the outstanding amount. They disappear off when confronted by one of your template letters. They cannot provide the original, full size, legible agreement. We did not accept the Ombudsman's negative decision, as their origin
  23. Hi Citizen B From my telephone contact with adjudicators, I think they are out of their depth in ploughing through the murky world of lying credit card companies. I would doubt that many of them have sufficient legal training to be fit for purpose. I say this because I have worked with solicitors and barristers dealing with complex court cases, and I believe it takes a good level of legal expertise to cut through the lies and get to the truth. A few months ago I took up computer chess, and in a small way, (not pretending otherwise), it does help me to think l
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