Jump to content

Showing results for tags 'capital one'.

  • Search By Tags

    Type tags separated by commas.
  • Search By Author

Content Type


Forums

  • The Consumer Forums: The Mall
    • Welcome to the Consumer Forums
    • FAQs
    • Forum Rules - Please read before posting
    • Consumer Forums website - Post Your Questions & Suggestions about this site
    • Helpful Organisations
    • The Bear Garden – for off-topic chat
  • CAG Community centre
    • CAG Community Centre Subforums:-
  • Consumer TV/Radio Listings
    • Consumer TV and Radio Listings
  • CAG Library - Please register
    • CAG library Subforums
  • Banks, Loans & Credit
    • Bank and Finance Subforums:
    • Other Institutions
  • Retail and Non-retail Goods and Services
    • Non-Retail subforums
    • Retail Subforums
  • Work, Social and Community
    • Work, Social and Community Subforums:
  • Debt problems - including homes/ mortgages, PayDay Loans
    • Debt subforums:
    • PayDay loan and other Short Term Loans subforum:
  • Motoring
    • Motoring subforums
  • Legal Forums
    • Legal Issues subforums

Categories

  • Records

Categories

  • News from the National Consumer Service
  • News from the Web

Blogs

  • A Say in the Life of .....
  • Debt Diaries

Find results in...

Find results that contain...


Date Created

  • Start

    End


Last Updated

  • Start

    End


Filter by number of...

Joined

  • Start

    End


Group


Location

  1. Hello people, this is my first post, so go easy! Right here's the situation: I messed up with a Captial One credit card in 2004 after only having it for a short time. In 2008 I received a letter from DLC (Hillesden Securities) asking for the balance, some £550. I requested the CCA, which promptly came back. So I began paying it off over 14 months, and made the last payment in uly 2010. Earlier this week I accessed my credit reports. On CallCredit there is an entry for Hillesden, as follows: Account Opened: 5 August 2004 Last Updated: 1 July 2010 Opening Balance: £0 Current Balance: Closed 2 July 2010 Monthly Change: Account Closed Worst Status: SF -The account has been satisfied. The payment status has been reported as in default. Account Holder Status: Normal Account Status: Default Reported Until: July 2013 Default Date: 14 July 2007 Default Satisfied Date: 2 July 2010 Lender Contacts HILLESDEN SECURITIES LIMITED I don't know if Capital One sent me a default in 2004 because I moved house. But I find it hard to believe they didn't issue one until 3 years later, as is suggested above. I'd hoped the default was issued before then because 6 years would have elapsed and I could get it removed. Is this likely to be a case of Hillesden simply applying their own default when they took over the debt? How can I find out if and when Capital One did issue a default? SAR to Hillesden? When I view my CallCredit report, Hillesden has placed a black box with a 'D' in it for every month between March 2008 and July 2010, showing the account is in default. Ironically, I opened a new account with Capital One last year and they've since increased my limit! I'd love to get this removed, so any help would be great. Cheers
  2. Hi all, here's one I need a little help on. Robinson Way are chasing a debt from CAPITAL ONE for £464.99 dating back to 2000 (can't remember exact original amount so this is the quantity showing on thier latest love letter). This was in my wife's maiden name, she moved in with me in 2001 and forgot this debt, until ROBINSON WAY started sending letters to this address in 2008 in her maiden name, even though we were married in 2002! We did not answer a single letter from them or acknowledge anything from them to admit this debt. They did try to call my house phone (where they got this who knows as we're ex directory) and I told them they had the wrong number.....no more calls followed. We had the usual range of letters ranging fron 'debt collectors will call', 'possible court action' and then a very nice 'where have we gone wrong' letter! Today we recieved a 'Subsequent Notice of Arrears' letter, stating they sent this because it is in compliance with the Consumer Credit Act 1974 because it shows we are behind with our payments....what payments?? It states the balance as at this notice £464.99 and balance from previous arrears notice £464.99 as at 1st October 2008 (hmmm when they first started harrasing!). They then go on to say they have included an 'Office of Fair Trading' information sheet, which they have. Hmmm my question is, should I keep ignoring? Just to reiterate, my wife has had no contact or agreed anything since at least 2001.
  3. Hi all, I have for some months (possibly a few years I haven't kept count) been receiving letters from Lowlife portfolio about my "outstanding"(nice of them to compliment me on it I thought lol) debt of some £771.87 to Capital One which they seem to have purchased. The card only had £200 limit, I think I only used it a couple of times and paid it for 6 months until I got fed up with the ridiculous interest they were charging and decided they had had far more money from me than the original £200 and stopped paying. After a few months Cap one wrote to me saying my account was in default blah blah, if I do not contact them to arrange payment the debt would be passed on etc etc. Obviously I ignored them. BTW the Cap One account was about 5-7 years ago. I have not responded to any of the the letters from Lowell and Red Debt Collection Services as I believe if they could do anything they'd have done it by now. Today I got the following letter from Hamptons Legal ( copied exactly from letter obviously not correct acc/ref nos): My name and Your Lowell account: address Lowell reference number: 1234567 Original company name: Capital One Original account number: 123456789101112 You owe: £771.87 10th May 2011 Dear Sir Overdue account After repeated requests for payment, Red Debt Collection Services have instructed us to pursue you for the overdue balance on your Lowell Portfolio I Ltd Account. You are contractually responsible for paying the debt. Unless you send payment to us or Red Debt Collection Services immediately, we may prepare for more serious action, which could include applying for a County Court Judgment (CCJ) against you. Once legal proceedings have begun, we may be able to claim the money you owe together with : . The interest accrued on your overdue account. . Legal costs of recovering the money you owe. If we are granted a CCJ you could face the following consequences. 1. Any CCJ against you will be recorded at the Register of County Court Judgments and remain there for up to 6 years. 2. We may apply to enforce the Judgment for example by using bailiffs or applying to recover the money you owe by making deductions directly from your earnings. 3. Failure to repay your debts may have an impact on your ability to obtain credit in the future or the terms on which credit is available to you. Lenders will look at how you have repaid your debts in the past before the decide to grant further borrowing. If you do not contact us or arrange payment we may begin proceedings. You can set up a Direct Debit on line go to www,lowell,co,uk. Call us on 0113 394 6317 to agree repayment and prevent this. Yours faithfully (photocopied signature) Stephen Hunter Director of Legal Services. I am assuming they are just show boating and using scare tactics that a lot of people would fall for. I have never acknowledged any debt with Lowell nor have I responded to any correspondence from either them Red Debt and now Hamptons (Except once they phoned, asked for me and were promptly hung up on when they said who they were). I do not think they or any other so called debt recovery firm would even get any joy even if they actually did go ahead with their bluff of going to court would get any joy from the court. I am thinking of writing to them anonymously saying : Dear Lowell, Thanks for paying my credit card bill. But seeing that I have never entered into any financial agreement with yourself or your other Mickey Mouse partners in crime Red Debt and Hamptons Legal, good luck getting your money back!!! Yours faithfully Someone that isn't scared Just to wind them up. But I really can't even be bothered to waste the money on the stamp. I reckon the original debt will be unenforceable in a few months any way if it hasn't already become so. What would you do? Ignore them like me and call their bluff, see if they do actually take me to court and get a CCJ and repayment order/ bailiff visit (who I believe are not legally allowed to enter ones premise with out permission and remove goods as it is theft)? Or start wasting your own valuable time and money writing letter after letter challenging the debt and going down the legal/ consumer rights route? The way I see it it's Capital One's fault for irresponsible lending when I was younger.
  4. I had an account years ago with Capital One, which I think, will have defaulted in 2004. I say 'I think' because I have no documentation and the debt has now disappeared off my credit report as it has been 7 years. It would appear that in 2004 they sold it to Lowell. There's an account on my credit file in the name of Lowell for the same amount as Capital One and with the same reference number (last 4 digits anyway so it's definitely it!). The start date is 2004 and the default date is mid 2006! So it would appear that I was defaulted twice for this one account. However I can only see the Lowell default and now not the Capital One default.... So what can I do? As far as I'm concerned it shouldn't have been defaulted twice and as six years has passed since the original default it should now no longer be on my credit report in any shape or form, but without the original showing on my credit report how can I prove it? Will Capital One still hold any details for me so if I make a data request to them to see any data they hold will they still have it after so long? Or should I just write to Lowell and request they provide proof of the original default notice and credit agreement (stating I do not acknowledge the debt, just in case!).. Whats the best way for me to deal with it?
  5. Called Capital One to bring my account up to date after receiving default notice and call centre said account was "with Frederickson" and gave me a number to call. I didn't ring but instead looked up Freds here on the forum. About a week later I had a call at work from someone called Rocky claiming to be from 'FDA' or something like that. Told the caller it was a work line and could not be used for personal calls. He thanked me and hung up. Next I had a letter from Freds telling me that I owed the balance on my Capital One account, giving me a number to call. Instead I sent off one of the forum's CPUTR requests for proof of account ownership and assignation notice. Had a polite letter back confirming they had received my request and had referred it to Capital One. In the meantime, the account would be on hold. Received today a letter from Executive Response Centre at Capital One including scan of my original credit agreement, terms and conditions, and confirmation of default notice. In the letter it says "Please note that this account has not been sold and there is no assignment to provide." Does this mean that I should insist on dealing only with Capital One now, or should I talk payment arrangement with Freds? I cannot deny that I owe the money but would rather deal with C1 than a debt collection agency. Any assistance gratefully welcomed, folks!
  6. Hi all, hope you are fit and well! I have recently lost hours at work and are now part time, this means I can no longer afford my bills - I have written to my creditors offering a pro-rata payment (have sent a income/expenditure form also to each of them). I used a template letter from the library (offer payment/stop interest etc etc). I got a reply from Cap 1 asking for my bank statements (which they will not get - cheeky sods!) I just got a reply from argos (my argos card) stating: As a reuslt of financial difficulties you are currently experiencing we have blocked your account from making purchases until further notice. Please note that if you fail to maintain minimum payments on your account we will have to report this to credit reference agencies and it may affect your ability . . . etc, etc! No mention of the pro-rata payment or interest stopped or anything - any idea what I can do from here? Plus I would not be using the card again - pointless adding more debt on - silly sods! Many many thanks!
  7. Hello all(Appreciate you taking the time to read this)I wonder if anyone can try and advise me on the problem I'm having with the Claims Guys. Firstly, they have already managed to reclaim some money for me, so that's fine. So are their charges. I can live with that.The problem comes from this last claim.I had a Capital One credit card, which through me missing payments, went to Cabot Financial. To cut a long story short, Cabot have confirmed that they recieved full and final payment in Feb 2008. I was made redundant and so used the money to clear my debts. This was one of them. And nothing has been heard from either Cabot or Capital One since.Earlier this year, I used the Claims Guys to see if there was anything to be refunded through mis sold ppi or unfiar charges. And they eventually got back to me saying there was! £114 in mis sold ppi and £95 in charges. I was then told that all I had to do was sign the offer letter and Capital One would refund the money. Now, the Claims Guys have called me a few times asking for their fee for this claim. But I have not been refunded the money. The Claims Guys assured me it had, but to the credit card account. This didnt make sense, so I called Capital One. They said that they could see the amounts in question but could not talk to me due about it. Something to do with restrictions on the account. They suggested I call Cabot.Cabot told me that there was no longer an account, or credit card. The money could not be transferred to this account. Full and final payment was recieved in Feb 2008. So I called back Capital One. Again, they could not help. So I called the Claims Guys.They said that they would need to speak to Capital One and I would hear back from them soon.I heard back today, but not to update me, but to ask for their fee, nothing else. I went over this all over again and the person I spoke to said the following (excuse me if I put this down wrong)..." The money has been refunded to you but to the credit card account. Because you defaulted on the card, there was an outstanding balance and so this money has paid that off". I wont drag this on any longer but refused to pay until I had spoken to Cabot, who once again confirmed that they had recieved full and final payment in Feb 08. they sent out a letter to confirm this at the time. there is no recored of any money paid to Cabot with regards to this account. All I would like to know is has anyone had this experience before? Are they correct saying the money has been refunded to the old account (I can't see how, it doesn't exist). If this is unfair charges and mis sold ppi, how can it go back to them? I'm getting quite overwhelmed by all the phone calls and feel like I'm losing my grip on reality. Kind regards
  8. Hi, revived a letter today from Apex,saying that they wrote to me recently, but they didnt, re a Capital One credit card, that is nearly stature barred or if not alredy... my questions are: 1) my name Geoff is spelt Geofff.. is this an issue? 2) the address is incorrect being the wrong flat number is this an issue? 3) should I ignore this letter? giving me time and finally 4) if i do have to contact these people, what is the current state of affairs regarding cca requests and if so can i have a template....
  9. I have sent a SAR to Capital one which has been ignored by them proabbly as they know they now owe me money due ppi charges etc. They complied weith my CCA request on the same letter. Now can anyone advice if i should go to the Information Commisioner or to the county court to compell them to copmly. Whichever action i need to take i know i will need to send a letter telling them what will happen and giving them seven days to comply before i take further action.
  10. Hi all, I think its best to start at the beggining! Back in Nov 10' i was self employed and run out of work, i tried to claim job seekers but was not entitlied as had not paid enough national insurance contribitions. Phoned capital one to explain my situation and asked them to freeze payments for 3 months aswell as interest and charges, there response was that they could setup a payment plan providing i sent in relevant documents ie job seekers letter, income expenditure, bank statment etc. I sent in every bit of information i have excluding bank statement as my bank account was currently suspended as i was over my overdraft limit. At the time of asking capitalone this my balance was £1900 and i had a relative willing to pay £20 month till i was back on my feet. Capital one refused to set me up on a payment plan untill i had sent them the bank statement which i explained i could not send so they said there was nothing they could do!! In Dec 10' my relative said they would lend me £2000 to pay off my 4 creditors (wonga, santander, vanquis and capital one total debt was about £7000 to all) i sent all four settlement offers explain my situation and 3 of them excepted so all i owed was capitalone. I urged capitalone to reconsider but they again refused in Jan 11 my balance with them was now £2000 Now in March 11' i recieved a letter of default and called them to explain ive been trying to sort this situation out since nov 10'!! I explained to them i was more than willing to sort out a payment plan as i had started working self-employed again, but they said they could not put me on a payment plan as the documentation i supplied was insufficent! i explained i have to set up a new bank account so would not have any statements, im self employed so do not get a wage slip as such and they again turned round and said there was nothing they could do!!! I feel so stressed out with this as my balance is now nearer to £2200 and ive tried everystep of the way to setup a plan but did not pay anything till i had conformation in writting that no interest would be added anymore. im asking for my cca today off them but this still will not make them setup a payment plan i feel limke letting them just take me to court as ive kept letters of everything ive sent and everything they sent me and they just wont listen!! i have no assests except for a van which im still paying for, live in rented accomodation and have no bank account. Should i just let them take me to court or is there something i can do to make them put me on a payment plan? Any help would be much appreciated sorry if i rambled a bit but its the first time ive been on one of these forums. Thanks Bri
  11. Got an old Capital One account that is now owned by RW. The balance is under £200 and was defaulted for a little over £400 back in November 2006. Have played letter ping pong for a while regarding the account- unenforceable agreement, invalid default etc. In May I invited the Managing Director to take me to court for the monies they claim to be owed. Funnily enough, I've no heard a chirp from them since then. Now the default is a big issue for me. I have a couple of others that drop off by mid 2011, although that won't stop me doing what I can to prove they were unlawful! This RW one will only drop off in November 2012. I desperately want to get it wiped by the time the other two are off. RW way are refusing to remove the default, claiming its was originally put on by Cap One, therefore it must be accurate. Cap One haven't even responded to my SAR other than to say my signature doesn't match. I complained to the ICO in February about Cap One and not complying with my SAR, and my complaint is still waiting to be allocated to an appropriate ICO bod. So I put it to the good caggers as to my next step. Do I..? a) continue letter ping pong? b) offer to pay the outstanding balance on the condition the default is removed? c) initiate legal proceedings?
  12. I have been reading about mis selling of PPI and how they sometimes do not pay out. It got me to thinking that as I work in the public sector and would recieve full pay for 6 months and half pay for 6 months in the event of sickness and the chances of losing my job is next to impossible then maybe I had been mis sold. I sent a SARN and what was revealed was my accound started in 2000 and the PPI kicked in misteriously in 2004. I do not remember signing anything to ask for PPI to start. In fact when I sent the sarn I asked for all information they held about me including any contracts etc and the only mention of PPI in the reply was: ' In regards to your request for all information relating to Payment Protection Insurance (PPI), I can confirm that under the Data Protection Act 1998 we are not obliged to send documents which do not contain any customer's data. If you wish to make a complaint regarding PPI you must contact us seperattly setting out the reasons for your complaint. However if payment protection insurance was added to the above account you would have been provided with all the relevant details of the PPI policy, including the terms and conditions.' I find the last sentence interesting. Does it mean PPI was just added and maybe I had so many days to reply to cancel? Is this the sort of thing they did. Lastly why is the information regarding PPI not covered by the SARN? Surely ALL information held by them about me should be revealed. Any help on how to procede would be very helpfull. Regards
  13. Hi all, I received my CCA from capitalone today and am not sure what im supposed to be looking for as they have sent me an original agreement (which is signed) and a current agreement which is not? Any help would be much appreciated thanks I have attached the CCA that they sent me but i also have 6 pages of printed terms and conditions that they sent. I have another post explaining why i requested a CCA in the first place ( basically capitalone are refusing to put me on a long term repayment plan and refusing to freeze interest as im struggling with minimum payments, i am paying them £1 a month at the moment but they are still wacking on the interest!) Again any help would be much appreciated Thanks I think i have deleted all personal information but if i havent please let me know asap so i can amend. thanks scan0006.pdf scan0007.pdf scan0005.pdf scan0002.pdf scan0004(2).pdf
  14. My wife has a crap 1 card, she took them to court in Nov after they refused to refund charges, they settled mid Nov for £109 which they took of the balance but not off the monthly payment which included the charges, she made payments of about £50 per month and again they charged in Dec and Jan O/L's and Late fees as payments were always below their figure (which included their refunded charges) so went back to court in early Feb,then Crap1 issued a default notice for £206,which was still made up from the previous charges that have been refunded, the current court case is for £79 and a further £24 has been added,so in total £213 has been/is being claimed for charges but they have issued a termination notice saying defaulted for £206. As this £206 is clearly made up of charges and she has made more than what would have been the min payments each month how can they suggest the account has D/F as the D/F is made up of their charges that they have refunded but refuse to take off the minimum payments? Without the charges added to the minimum payments the account would have remained upto date and therefore cannot warrant a default or T/N. The POC'S in both her court claims state any defaults must be removed so considering refusing when they no doubt make their 11th hour offer. The payments they decided to take off the balance also included the court fees which surely have nothing to do with cap 1's account. Letter from Fredricksons came dated 22/2 Crap 1s D/N & T/N was dated 21/2 looks like sour grapes to me, a case of trying to get their own back.
  15. I lost my job a few months back and was relying on my credit card to live. I soon got close to the limit of £500 when i finally got a job, but it was only on part time (you all know how hard it is to get a job these days?) I earn around £150 a week, with and immediate £430 (car, insurance,rent) coming out each month. Then i have Petrol + food to contend with each week. (i travel lots so i use arund £20 petrol every 5 days!) I have missed many payment now for my car insurance and credit card/car finance. (i have cought back up with my insurance and finance). But now capital one are whacking £24 almost everyweek on my account. Due to my circumstances i now owe over £740 and have debitas on my behind. I have sent capital one 2 letters 2 weeks appart requesting if they can put a freeze on my account while i set up a payment plan. They have not even done that or contacted me. Not to mention, "Abbey" are charging me £400 on an account i closed! and are threatening me with court if i dont pay the full amount in a few days!!! RIGHT BEFORE CHRISTMAS!! how low can you get? the company abbey are using are Moorcroft recovery ltd? I dont know what to do, im only young (20) i know its not a lot of money but it is really stressing me out and taking its toll on me. Debitas have told me that an agent will be round my house in 7 days if i dont respond. I need some guidance before i contact them. I can probably afford £5-20 a month but if cap1 keep charging me whats the point. Please, any1 who can help me it would be so kind. Rob.
  16. Advice sought on potential illegality of Capital One breach and mis-use of personal data I am a UK citizen who currently lives and works in Brazil at an International school. I return to the UK in December and July each year for around 5 weeks each time. I have a Capital One credit card. I told the company I live in Brazil and have given them my phone numbers in Brazil, but they never use them. I am late with my last 2 payments but can not make the payment until I come back to the UK in a few weeks. However, here`s the thing - Capital One have somehow gotten hold of both of my elderly parents` mobile numbers (without my consent) and are calling them several times a day (sometimes at 8am or 8.30pm) to hassle them about my debt. I do not dispute that I owe them money and that I am late with payment - that`s my fault; fine, and it will be dealt with, but I have 2 questions here: 1. I am very suspicious as to how they obtained my parents` mobile numbers. The numbers are not listed anywhere and I have never given them out to anyone. The only way they could have done it is by accessing phone company or (police?) database info. Is there a law which allows the company to obtain my parents` phone numbers? 2. Are they allowed to call up and hassle relatives of a client who owes them money? I am concerned, suspicious (about the legality of their actions) and very angry indeed about the hassling of my parents, one of whom has a serious illness, so I would be very grateful to anyone who can help with this in any way. Thank You for reading, and for your time and help.
  17. Hello There, I'm hoping that someone here can help me. I had a credit card with capital one that defaulted on the 08/10/10. The amount of the default was £341.40. My credit limit was £200. Some background information: on the 1st of July my grandfather died. This was followed by the death of my great uncle on the 31st of July. This was a very traumatic time for my family and caused me to neglect payments on a number of accounts. My grandfather had been suffering with a very agressive form of prostate cancer and I had spend much of the year helping him. Anyway, capital one started issuing me with £12 default charges. These charges took my account over its credit limit so I started to receive 2 lots of £12 charges every month totaling £24. I didn't take any action at the time and the account was issued with a default on the above date. I have not settled the account and receive regular letters from a company called F.T.C regarding the payment. I don't have a clear record of all the default payments that have been made on the account. I'm sure this will negatively affect any action I take. I really don't want a default on my report, is there anything I can do? I'm not really that bothered about the money and would happily pay if they would remove the default. Could anyone give me some advice on what I need to do first? Thanks in advance, Jonathan.
  18. A few months ago, Capital One served me with a default notice and passed my debt with them to Capquest. I have been paying token payments on this and several other debts since becoming unable to work 10 years ago after suffering a serious form of cancer. They had started demanding to see copies of my bank statements etc and it was when I refused to do this, having submitted the usual statement of expenses, that they issued the default notice. I requested a copy of the CCA from Capquest, who passed it to Capital One. They have now sent me what they say is a "reconstituted copy" and a rather threatening letter advising me that the document is valid and the debt must be paid. I wondered if someone would kindly look at the documents if I scanned them in with (personal details removed)? I have no idea as to whether the agreement is enforceable!
  19. I've been doing quite a bit of reading on here about CCA Requests and, swamped by debts I thought I would give it a try. I've read some conflicting opinions on whether the 77/78 letters work or whether they give rise for banks to provide a modified copy etc. First I'll tell you a little about my situation: I have most of my debts with Natwest - 2 credit cards, 2 unsecured loans, 1 overdraft and a mortgage. I've moved my main bank account to another provider to protect my income. I also have credit cards with Capital One and Tesco (also run by RBS/Natwest I believe). Could you please advise me on the following: 1. Would I be better sending a Subject Access Request or one of the CCA template letters to Natwest? Can anyone point me in the right direction of a good example of a letter to use? 2. Can anyone tell me of their experiences/success/failures following this process with Natwest. Tesco and Capital One? Many thanks
  20. Hi - I originally posted a thread Help! Asset link taking me to court in forum capital one in 2007-08 and received some really valuable advice which I followed and never heard anything again. I have found out this week that I now have a default next to my name from....Assetlink. Is there anything I can do to get this removed? My last correspondence was 8 Jan 08 from Mrs Roberts Litigation officer at asset Link Capital, saying ...we wrtie futher to your recent defence filed. The contents are noted. In order for us to fully investigate the points you raise, documentation has been requested from archive. Upon receipt of such we will be able to fully respond to your comments and provide copies of the relevant documentation in this matter. In the meantime we weill request this matter be transferred to your local court for action to continue... And that was the very last I heard. I have had absolutly nothing since, so I am really unhappy to find there is a default against my name. Would really appreciate some advice Thanks melanie
×
×
  • Create New...