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Juandy

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  1. Think that was your original response. Just wondering why haven't had any correspondence from them for so long. Thanks dx
  2. Nothing is currently showing on my credit file. Mint card originally took out approx 2005 Total balance about £4k. Had no written correspondence since April 2021. I requested CCA in written form to aic. I also sent written CCA request to RBS. As far as I can remember I had a email attachment with report from RBS. Cannot access it anymore for some reason. Should I stop paying and see their response
  3. RBS mint credit card. £8.50/MTH. Originally requested CCA from aic, they told me I needed to request it from RBS as they were the oc. Requested CCA from RBS and they sent me a digital email of CCA agreement which they appeared to have all the credit reports and agreements. After recieving that I have continued paying monthly as I thought that the debt was still held by the oc. I haven't had any written correspondence from aic regarding balance owed or any statement or acknowledgement of my payments.for nearly 2 years. Please advise on what I should do next. Many thanks
  4. Aic are collecting money on behalf of RBS, I have received no post from aic for nearly 2 years. I am currently paying monthly to them. I asked for a CCA agreement 2 years ago but they told me to get in touch with RBS. Any advice
  5. I've checked and am pretty sure app form is the same as the one I previously uploaded in this thread. There is then print saying credit agreement regulated by the consumer credit act 1974. Agreement between myself and cap one and then 24 different t&c's listed
  6. The bottom of application form has a bit at bottom which says cca agreement which is signed but rest is just terms and conditions which appears basic apart from my name and address being included at the beginning
  7. Recieved documents back from lowell. Returned signed application form and t&c which states agreement between myself and cap one. Letter from lowell says account on hold for 30days to review the information. What should Bey response
  8. Intrum passing account on to resolvecall and arranging home visit Any advice
  9. Thanks ,will send CCA to lowell and see their response
  10. Cause they've only just sold the debt wont cap one just give them the cca
  11. Should I do this straight away as change of ownership of debt was 07/10/2021. I shall cancel my cap one s/o now, but should I make any payments to lowell in the meantime
  12. Hi, I have had a capital one cc debt which I have been paying for the past 12years + on a payment plan with capital one. As the debt was still with the oc, I have not proceeded with cca requests as advised. However today I received a letter from cap one saying that the debt has been sold to lowell. The letter says to cancel any s/o with cap one and set up new with lowell. Any advice on what I should do now please.
  13. I'll stop payments and see what happens, fingers crossed. Was gonna still pay this one as you'd told me that moorcroft didn't buy debts, but appears that barclaycard cannot fulfill my request. Thanks again
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