Thank you kindly i will look into this and read the links you have sent me

I do agree but i have no means to fund another lawyer if i could id hire mr big himself to wipe floor with them all lol but someone has to know how i can prove this case is fraudulent ? I live in hope as many many people go on this site so fingers crossed xx:|

OK THANK YOU FOR DOING THAT AND I HOPE SOMEONE OUT THERE HAS AN ANSWER TO STOP THESE CORRUPT COMPANIES FROM DOING THIS BECAUSE IT SEEMS TO BE FULL OF SAME CONS ON THE SITES IVE VIEWED ON INTERNET I CAN NOT LOOSE THE HOME I SHARE WITH MY GRANDSON AS I AM HIS FOSTER KINSHIP CARER AND HE WOULD GO INTO CARE IF I COULD NOT PUT A ROOF OVER HIS HEAD !!

Going to make an appointment with mp tomorrow and is it worth notifying the governing bodies:| ??

THANK YOU SO VERY MUCH

thank you and i agree it is a mess iv come to the conclusion that this is one big con involving them all and i know that sounds far fetched but capone paying out thousands in ppi fines and pay backs this is a great way to claw some money back ! and debt collection agencies are buying all capone debts and mobiles on 3 and t mobile with no proof of anything yet courts are giving them peoples lives without a care............ the judge said to me.........everyone has problems in life and its no excuse to ignore debt letters. but for a £500 debt they have got about £20,000 tied up in this case not a bad little earner and more than enough to go round them all !

I forgot to add the copies of statements of account show i paid by dd but only min fee so it kept me over £500 i was not aware of that..........at opening of card and within days i was in trouble each month they added fees in nov 2006 it stood at £532.04 then went up and up when i stopped payments in april 2007 it stood at £658,04 then they continued on till sep 2008 when they defaulted me to the tune of £850.35p. Fees made up of two default payments each month, interest, ppi, and late fees ! Also in the oct 2006 on day of activation i was charge two ppi payments £20.00 sentinel card protection and ppi £4.15. 4 cash withdrawal fees £60.00 pounds worth of fees on day one !! Also i forgot to add that capone sent me two copies of credit agreements different dates of a month and different signatures but bar code at bottom of each is the same?????????? And it looks like its been changed slightly and print out of tc is unreadable except for dates and sigs ??? I don't believe it is original and i don't even believe one copy is my sig..............also one is dated 24th sept 06 and other is 10th of oct 06........but capone state in letter i completed agreement on 24th sept 06...........but it was not used for a month after........ 20th oct 06. Ppi was cancelled on august 22 2008.

Hi all Here we go............. I was made bankrupt 5/7/2012 in my absence by Lowell portfolio one for the sum of £1,666.57. This was made up of 3 debts HUTCHISON 3G UK LIMITED £597.80- DEFAULT DATE 10/4/07 T-MOBILE UK LIMITED £218.42 -DEFAULT DATE 25/1/07 CAPITAL ONE PLC £850.35 -DEFAULT DATE 19/9/08 16/12/2011-STAT DEMAND FROM LOWELLS ALLEGEDLY SENT. 13/4/2012 PETITION TO COURT DATE SET 5/7/2012 A SERVER USED BY LOWELLS SWEARS HE VISITED PROPERTY 3 TIMES AND MAKES A CONVINCING STORY OF HOW HARD HE TRIED TO SERVE ME............JUDGE SAYS STICK IT THROUGH LETTER BOX! AND SO THE NIGHTMARE BEGINS:-( I was living away from home for period of Feb/2012 till June 8/2012.... due to personal problems with my daughter and grandson i was supporting them. About two weeks later piles and piles of letters came through letter box declaring.... HOW DO YOU DEAL WITH BANKRUPTCY AND LAND REGISTRY LETTERS ......AND THE DREADED TRUSTEE IN STATE... I GO TO CAB FOR GUIDANCE AS I JUST DON'T BELIEVE IT IS REALLY REAL,ITS SOME KIND OF SICK JOKE !! No its real and i NOW] need to see insolvency man ASAP! I still have no clue to the debts that are involved until i meet him and i soon dismiss phones.....but capital one card i did have in 2006 but due to illness... April 2007 i thought i had activated my PPI i did what i was asked and sent sick notes ect. Unfortunately i had also divorced and moved house in Feb 2007 and was staying with sister till i found a new property to buy but in April 2007 i had a complete break down ending in hospital with loss of memory..(GOD YOU COULD NOT MAKE THIS UP LOL) I moved to spain to convalesce with my daughter who lives there permanently. I came back rented for 6 months then brought this house with.........................MY EX-HUSBAND !! November 2007. In all that time i never received anything from Capone and assumed as it was only £500 limit and i had only spent about £400 on it that it was paid off.....stupid me:roll: I had also closed down my bank account in around April 08 as i was now on long term disability allowance and i sent details to Capone of new address and medical evidence ect and heard no more. Until Bankruptcy.... popped its ugly head up................I TRIED FOR SEVERAL MONTHS TO GET ALL DOCUMENTS ON DEBTS BUT I GOT NOTHING....... EXCEPT THREATS TO SELL MY HALF OF HOUSE SO I CAN PAY THE BILL £18.000. THEY HAD DONE THEIR HOMEWORK AND THOUGHT I WAS STILL MARRIED AS LAST NAMES STAYED THE SAME AND NO CHILDREN LIVED AT ADDRESS.........THEY WERE GOING IN FOR QUICK KILL.... But because i am a kinship foster carer for my 6 year old grandson.. since 8th of June 2012..........TRUSTEE HAD TO GIVE ME A YEAR and she has offered discount of £8,700.000 if i payed in full ASAP or ex- payed in full !! Thats when we got a solicitor involved as we were being ignored.............that was November 2012 and after months of asking for all relevant documents with no success went for annulment............ 5 days before court case they sent some stat demand from capone and a copy of the CCA but by this point we had spent £2,000 on solicitors fees and felt we had a 50%50 chance to get it overturned ..............But on day of court case 17 July 2013 IT WAS IN FRONT OF JUDGE WHO GRANTED BR !! She was not remotely interested and i was given the costs of Lowells solicitor to the asking price of £7,234 for 55 min hearing to be paid in 28 days. THE JUDGE HOWEVER WAS SHOCKED AT THIS AMOUNT AND ASKED FOR RUNDOWN AS I HAD BEEN ONE CHASING AROUND.....IT APPEARS THAT LOWELLS ARE USING TWO GRADE AS AND TWO GRAD BS AND A C THE JUDGE SAID THIS IS UNNECESSARY AND KNOCKED IT DOWN TO £2.847.00. THE TRUSTEE IN CASE ALSO USES ANOTHER GRADE A SOLICITORS WHY I HAVE NO CLUE? TWO OR MORE WEEKS AGO I WROTE TO CAPONE RE PPI CLAIM AND THEY SENT THE REPLY TO TRUSTEE WHO THEN SENT IT TO ME GIVING ME 22 DAYS TO RESPOND TO CAPONE DENYING IT WAS THERE FAULT AS I TICKED BOX? AND STATING IF SHE DID NOT HEAR FROM ME BY END OF AUGUST 013 SHE CONSIDERED THE MATTER CLOSED AND WAS NON NEGOTIABLE !! WITH CAP ONE LETTER WAS A RUN DOWN OF BILL FROM 20 OCT 2006 TILL 28 OCT 013 I SPENT £400 MOSTLY CASH WITHDRAWALS AND ON THE STATEMENT ON 20TH OCT THEY CHARGED ME OVER £100 IN FEES TAKING ME OVER LIMIT... AND SO IT GOES:-x ON ,,,, TRUSTEE HAS E MAILED ME TODAY STATING SHE WANTS SALE OF HOUSE AND £22.000-£28.000 OF MY EQUITY !!!!!!!!! PLEASE CAN ANY ONE ADVISE

:clap2:iI knew it was right decision to come on here so thank you xx Wendyboats

:hug: Thank you DX

Thanking you i will add more tomorrow and trust me when i say this is corruption of the highest involving these companies but i need all the help i can get to prove it !! But i will with all your help on here Nite Nite from Wendyboats:-)

The sd they alleged was posted was feb 2012...... court date was june 6th 2012 i found out when land registry letter came also found out trustee had already put a claim in to the mortgage company . Notes of interest... server was from portfolio one i never got it. Trustee who also has her own solicitors fees added was also appointed by lowells. My mortgage company new weeks before i did yet never contacted me? Wendyboats

yes and phones were never proven and capital one account sold to lowells in nov 2011 but capone never wrote to me prior to this date? Wendyboats thanks you for your interest

Lowel used 2 phone bills ..not proven and capital one card 2006.. made me bankrupt for£1,665.56p .... £850 on capital one my limit was £500 i spent £400 rest is fees and PPI now Trustee is going for my half of equity in house of £35.000. I did not find out till after court case!! a year later i went to court to annul at the cost of £2,000 solicitors fees and lost the judge was same one who granted bankruptcy !! Information of debt given 5 days before annulment court case ! This is only quick summary of events as i now have conflicting evidence in being given two copies of agreements ( not original) with different months,dates and signatures with unreadable t/c and rearranged policy lay out. AND TRUSTEE IS OUT FOR THE KILL !!!!!!!!!! When i claimed for PPI to capital one they wrote back to trustee not me???? Saying as i asked for it its not their problem? Kind:???: Regards from me to you

hi i have seen that this group have given very good advise over the years and now find i need advise concerning capital one