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  1. Hi I would like some advice please. I have 2 credit card accounts with Capital One that I was defaulted on in 2007 despite paying regular, agreed, reduced monthly payments. The debts were then passed onto Robinson Way. I have requested CCA's from Robinson Way and all they have sent me is the application forms, so they just keep ringing and writing and I keep ignoring and not paying. Anyway am I now in a good position to offer a full and final settlement and if I do and they refuse will it mean that I have admitted the debts, etc? I want the defaults removed from my credit file too, is that possible or not? If it's worth a go then how do I go about it? Any help will be greatly appreciated!! Harlequin
  2. Hello all. I've just found this forum and have been reading through some of the very helpful guides regarding PPI. I am currently in the process of helping my sister with a PPI claim against Capital One. We've never done this sort of thing before so do have a few questions we were hoping you could help with. Initially we contacted Capital One to ask if she had PPI. They emailed back and said yes. I then sent off a SAR to see what information they hold on her as we're not sure if she was mis-sold, so are trying to establish a few facts. They responded with a pack that contained loads of statements, memos etc. I don't think it included everything I asked for, they said to ask again for specifics (like which telephone call exactly) and they will provide them. In the statements it shows PPI, there is also a signed copy of the CCA which indicates my sister asked for PPI. She is a bit suspicious of this but that is neither here nor there, the fact is it's signed and she has signed up to it according to this document. We want to know whether it is possible she was still mis-sold though. Ideally, we need a copy of the literature explaining what exactly PPI is and its policies that you would expect to have been sent out at the time. This will allow us to check if she was eligible or not and perhaps claim on those grounds if she wasn't. If she was eligible then we can at least draw a line under this and not bother complaining. Is there any way of obtaining this document or information? I understand a CCA request will just be the loan agreement which they already provided a copy of in the SAR. I imagine they must have sent out a PPI leaflet as opposed to discussing it over the phone with her, as the memos do not indicate any phone calls prior to the start of the PPI agreement (although they are hard to comprehend). She was in part time employment at the time, had not been in full time employment for six months prior to the agreement which elsewhere I have read may be deemed as reasons for ineligibility and thus a mis-sale. So we're not really sure how to proceed from here, if at all. Thanks for reading, I appreciate any help regarding this.
  3. Hello everyone. I am helping my partner defend a recent claim received from Bryan Carter on behalf of Lowell. There were some outstanding debts on my partner’s credit file upon our return from living abroad for the past six years (winter 2008 to winter 2014) but all default dates were shown between March and May 2009 and have since dropped off as they were over six years old. Since receiving the claim and prior to finding this excellent forum the claim was acknowledged I posted an edited template found on another site to Bryan Cater stating the debt is statute barred and encouraging them to discontinue the claim. A reply to this letter has been received alleging a payment of £1 was made to the account in July 2010. Today after researching on the forum a CCA request has been sent to Lowell and a CPR 31.14 request to Bryan Carter. I appreciate any help in dealing with this phantom payment and submitting an adequately worded defence. Name of the Claimant? LOWELL PORTFOLIO I LTD Date of issue? 27 AUG 2015 What is the claim for? 1.THE CLAIMANTS CLAIM IS FOR THE SUM OF 671–, BEING MONIES DUE FROM THE DEFENDANT TO THE CLAIMANT UNDER AN AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974 BETWEEN THE DEFENDANT AND CAPITAL ONE UNDER ACCOUNT REFERENCE — AND ASSIGNED TO THE CLAIMANT ON 06/10/2009, NOTICE OF WHICH HAS BEEN GIVEN TO THE DEFENDANT. 2.THE DEFENDANT FAILED TO MAINTAIN CONTRACTUAL REPAYMENT UNDER THE TERMS OF THE AGREEMENT AND A DEFAULT NOTICE HAS BEEN SERVED WHICH HAS NOT BEEN COMPLIED WITH. AND THE CLAIMANT CLAIMS 671– THE CLAIMANT ALSO CLAIMS STATUTORY INTEREST PURSUANT TO S.69 OF THE COUNTY ACT 1984 AT A RATE OF 8% PER ANNUM FROM THE DATE OF ASSIGNMENT OF THE AGREEMENT TO DATE BUT LIMITED TO A MAXIMUM OF ONE YEAR AND A MAXIMUM OF 1000 AMOUNTING TO 53– What is the value of the claim? 855– Is the claim for a current account (overdraft) or credit/loan account or mobile phone account? Credit card When did you enter into the original agreement before or after 2007? Unsure, but probably 2008 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. purchaser Were you aware the account had been assigned — did you receive a Notice of Assignment? No. Had been living abroad between 2008 and 2014. Did you receive a Default Notice from the original creditor? No. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year? No. Why did you cease payments? Financial hard ship. What was the date of your last payment? Unsure, it is possible no payment was ever made. Was there a dispute with the original creditor that remains unresolved? No. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No.
  4. Hi, Currently I have three credit building cards Vanquis - £250, Aqua - £100 and Capital One - £200. I applied for these to rebuild my credit. Can anybody advise me should I pay the three off now and close them which I can afford?keep one and pay in full every month?keep three and pay in full every month?I will keep the three if it promotes my credit better than paying off one in full every month. Any advice would be appreciated please. Do these cards repair a poor credit history which I have at the moment? Thank you
  5. Hi all, I am new to this site and have been looking through lots of threads which have been really useful but thought I'd post my current issues. My partner and I have recently signed up to Experian and Call credit to see our credit reports and we've vowed to clear up our debts. My report currently shows 3 defaults - it is probably worth noting that the reason behind these was my partner had a motorcycle accident on boxing day 2013 and was unable to work for over 3 months so we had to try to manage on my income and a bit of SSP for him. Obviously, keeping a roof over our heads was priority and I let a few payments slip and have been trying to catch up ever since. Default 1 - Capital One Credit Card £373- passed to Frederickson Int and I have received a letter advising they will offer a discount to settle (no figure mentioned) however the default will only show as partial settlement. Should I accept this (obviously dependent upon figure) or should I try to negotiate. Default 2 - Virgin Mobile - £225 - passed to Moorcroft and I am literally being hounded left right and centre - offered a payment plan of £20 a month which is manageable but I am wondering if it is worth trying to ask for a full and final settlement on this. If so what would be a reasonable starting point and I welcome any advice on how to go about this. Default 3 - Provident - £575.00 - passed to Moorcroft and again I'm being hounded. no offers made yet but I am wondering whether to query my agreement on this. Firstly, I was offered no cooling off period on this agreement, in fact, the day I was given the loan the collector also took money out of it towards my first payment - is this normal? Also, I have not had any correspondence what so ever from Provident the first chase of the debt was Moorcroft. Another funny piece of the puzzle to this, I was called by my collector one day to say she was coming to collect in 30 minutes, I was actually at a friends house and she asked for the address and collected from me at my friends (I was a bit naïve on the phone and was told that I had to pay on that day or it would be passed to debt collectors so I gave her the address.) Now on my credit report, provident have added my friends address as a linked address. I have now made myself a stringent budget to allow more funds to try and clear these quicker but I welcome any advice anyone may have. On another note, my partners credit report is perfect apart from two mail order catalogue accounts that have defaulted - these accounts were opened a few years ago by his mother who has set up a payment plan with a DCA however we wondered if it is at all possible to advise the creditor of the situation and ask them to move the account to his mum's name. Whilst he is obviously cross about this, it is not something he wants to report to the police but the amounts mount to £1800 total and through the payment plan set up will take year (and more years!) to clear.
  6. I have had letters from Lowell chasing an old Capital One account for quite a few years which I have always ignored. I have had many threats of legal action from various associated companies of Lowell which I have also ignored, however on Saturday (28th June) I received a claimform prepared by Bryan Carter Solicitors on behalf of Lowell Portfolio Ltd. They are stating the debt was assigned / purchased on October 2009, and they are after the original claimed amount (by Capital One) plus interest dating back to October 2009. Could do with some help on this one.
  7. hi all In 2002 my mum was sent a letter with an application form for a Capital one credit card. She signed the form and sent it back as she's never been offered credit before and was quite excited. She was unemployed at the time as she is long term disabled. She didnt sign an actual agreement, they just sent her a credit card. It was a normal Cap1 credit card. After a month it went up to a silver card, then a silver sleepy kitty card, then a gold card. She was making regular payments and was well on top of it. Then one month she was late with the payment and gained a £20 OL fee. She carried on paying but then got another. All together she had 4 over limit fees but continued to pay every month. Her credit limit started at 1200 and was increased to 2600. She called and said she didnt want it increased but they said she had to or she'd have to pay the full balance back. The last payment she made to the card was £1090 in 2009. leaving a balance of £1567. She could no longer afford to make payments. She only went over the limit 4 times and paid more again the next month. on the card she spent £3711.91. she paid £5279.95 there was 2369.64 in purchase interest. they say she owes £2868 Its been sent to lucas credit services, then lowell then fredrickson international. Mums in a real mess and i wanna help but dont know where to start! please help!
  8. Hi Pleae find atttached a letter from Capital One in reply to my PPI claim. After a SARN I sent claim for miss selling. They said they would look into it and it would taks 8 weeks. I replied saying no way Ivew been cheated and gave them 14 days notice with a letter before action. The lfirst part of the etter below sumarises the reason for my claim. They say I agreed to sign up over the telephone and was sent a policy and a 30 day cooling off period . I do not remember any of that. In fact in reply to my original SARN they said they did not have to send any info about my PPI because it did not come under the DPA. I know I should have followed that up. Because if they sent me a letter confirming my agreement to PPI then that should have been sent. The funny thing is the letter below says they include a copy of the policy document, Guess what? No policy document. lol I stand by my original assertion that I did not need PPI due to my secure circumstances and so would not have agreed to buying it. I would like some advice on how to proceed please. My 14 day LBA has now expired and I am tempted to call their bluff. However to start a claim would cost me at least £100 and I would like some reasurance I am on firm footing with this. Regards Missy
  9. My OH just received the attached confusing letter from Cap One regarding late payment and over limit fees that she had been charged since she opened the account to date. Has anyone else who has tried to do the same recently received the same letter and is this just the usual first response ? Apologies re attachments, having scanner trouble again. Cheers
  10. Well those famous people at IND and Hegarty LLP are really proving their worth. Today i've also received a summons for Northamtpton County Court for a claim they have on a debt originally from a loan amount from Capital One of which was passed onto Robinson Way some 4 years ago. Robinson Way couldn't provide me with the appropriate evidence of a mutually signed agreement having followed the process outlined from the very good members within CAG. Looking around on the forum, there seems to be a lot of information given in lots of threads which is causing me a little confusion of where to start to reply to the initial court action notice. Would someone who has experience of communicating with the court and Hegarty's, kindly bulletpoint the actions I need to take at this early stage in order to keep on top of the process and try to highlight to the court that the action IND take has to be reviewed without them giving time to communicate with me in written form.. Many thanks for everyone's co-operation at this early stage. Regards Keith
  11. Hi All its been a long time since using this forum so if someone can help along the way than that would be great, My friend has got into debt and hes worried so i thought i would try and help with the advice i have received in the past, together i think we can assist hopefully, History information i have is that he is In debt for a capital One credit card -Now with interest and all charges adds up to over £8000, this was taken out in April 2002, he has gradualy made infrequent payments due to his financial circumstances and has recieve the usual default/sums of arrears letters. When i got involved i sent capital One an agreement on his behalf of £30.00 per month which they accepted, They have now got Fredrickson involved and they are chasing him using the usual tactics. I have started a story board/file which i always use so Now it begins, To date I have sent off a sar/cca and hope to dispute the debt due to unenforceability? To which i have a letter back along with a single page application form and new tc's along with a letter from Cap One, Not having been involved of late with enforceable issue can someone enlighten me with court action regarding this and advise me if these grounds of dispute still stand Thanks in advance
  12. Hi All, Slightly odd question, have looked though the forum but cant seem to find anything on it. if the data provided to 3rd parties about you by your credit card company is factually incorrect, are they in breach of the DPA or CCA, If so do you know what section? Also who is responsible for ensuring the accruacy of the data displayed on the CRA, the supplier or the CRA? Ross
  13. I have quite a large amount of debt, the majority of which (over £30k) is with NatWest over various loans and credit cards. I also have a balance of around £800 with Capital One. I have been paying all of them off in a self-arranged and self-managed arrangement for the last few years. Recently, I've had a temporary loss of income. I wrote to all my creditors to explain this, also mentioning that I would appreciate it if they could go easy on me because I do suffer with anxiety and depression, largely because of the debts. NatWest happily gave me 3 months of token payments, asking for a review and update after that time. Capital One wrote back saying they would not accept my token payments unless I had a doctor's note. I don't currently have a doctor's note as it's something I had therapy for a few years back and have learned on the whole just to cope with when I suffer from it. I'm sure my doctor would provide one if needed but when money's tight, I'd rather not have to pay for doctors' notes. I wrote back to Capital One explaining that NatWest had accepted my situation, and bearing in mind my reason for asking for token payments was a loss of income rather than the depression (that was just to ask them to back off a bit), why couldn't they accept it? A few weeks later Capital One wrote to me telling me that because of my refusal to co-operate (!) that I had left them no choice but to refer my case to Frederickson. They told me to cancel all payments and to wait to hear from Frederickson to make a new arrangement. Now, Frederickson have been texting me non-stop for the last few days, not mentioning Capital One or leaving any info other than a reference number. I don't really want to have to deal with them over the phone as I've read they can be quite aggressive and that's the last thing I feel able to cope with at the moment - I'm much better putting things in writing. What I'm asking (and sorry for the long-winded explanation of getting there) is: Should I wait for Frederickson to write to me or am I best phoning them to ask them to write to me? Should I cancel payments to Capital One as instructed or will this make me look bad if things do progress? Am I right that at just over £750 of debt to Capital One, Frederickson could take me to court? Is it probably advisable that I now ask for a doctor's note? Any general advice regarding Frederickson? I've also read about people getting their Capital One debts quashed based on their CCA's - is that worth exploring or is it not really worth the effort? Thanks very much for your help.
  14. Hi , I have been chasing a claim against Cap 1 for about 18 months. It was submitted to FOS It was forwarded to them approx 6 months ago. it has been turned down by FOS and I have now taken appealed to the Ombudsman. My original claim for mis-selling was (1)based on the fact that the original credit agreement had an option for PPI which required a signature and a tick. I can confirm that this part of the agreement was never ticked or signed , however PPI was added to the account. (2)Being in full time employment for the past 16 years I would recieve 6 months full pay and 6 months half pay if I was ever long term sick. Based on the information so far what are the chances if any of having this overturned.
  15. I received paperwork from NORTHAMPTON COUNTY COURT on Wednesday 3rd yet it was only on Monday 2nd that Lowell actually told me over the phone who there client was. Obviously I want to defend the claim but im clueless on what to do now and need to get this form back within the time period????? some background hope this helps with your information. I had a credit card with capital one and defaulted on the card in 2004 and have had no correspondence from them since around then. I also have been accepted for a credit card from capital one less than 6 months ago. so 1st things 1st what am I completing on the court papers so I can get them back within time. Any help is greatly appreciated
  16. Hi all I have debt with Capital One which I am currently paying through Lowell. This debt does not show on my credit file and I was wondering why that would be. I have checked Equifax and Experian and its not on either of them. Just curious! Many thanks Anne
  17. 2 YEARS AGO I STARTED PAYING THE CAPITAL ONE CREDIT CARD WHICH IS NOW CLAIMED BY LOWELL. I STARTED DEFAULTING ON THEM IN 2006. I AM NOT SURE WHETHER I ASKED for a CCA file or not but all of their correspondence mention the original creditor name. So far I have been advised by DX to send them a CCA file. Which I shall do as soon as my printer is fixed. A new development is that none of these appear on my Equifax credit file any more. Do they still have enforcement powers as I have been paying them a statutory payment for each account. They have offered discounts in the past. What should I be doing meanwhile, apart from sending the CCA file? And while I am sending the CCA file, should I keep paying £1? And also should I ask for one CCA file for all of them or separate? In the past they have sent me letters with all three debts mentioned on one letter. LOWELL HAS SENT ME LETTERS OFFERING DISCOUNTS. I am just worried if I do not send them the £1 payments then they might do the traces on my file. They have been hiring McKenzie Hall to do the trace SEARCHES on my CREDIT file. The last one was done in April 2012. Nothing appears after that. Let us suppose that they do not comply to CCA then how come they had the powers to do searches on my file? Thanking you in anticipation.
  18. Hello All, Please may I ask for some advice on the following situation (I will try and keep it short!!): I have an old Capital One credit card account that spiralled out of control when I was last unemployed in 2005/2006. I had PPI on the card, however, due to stress and depression I suffered as a result of my unemployment I failed to make a claim for 6months. Once I got my act together and realised I had PPI I tried to make a claim only to be told I no longer qualified as I needed to make a claim within the first month(?) (cant remember specifics its long ago) of unemployment!!!! Anyway, the long and short of it is, I never bothered making contact with them after that as I felt seriously cheated and I was suffering depression. The letters I recall continued but not as regularly. Finally stopping until recently.... Now zoom forward into 2013 - I received a letter on 22nd February dated 6th February from Rockwell requesting full payment of the outstanding amount (£4,894.44). I did some research and decided to send a letter challenging them to produce proof the debt was mine. I sent this letter on 26th February. They confirmed receipt of the letter on 28th February. They sent a reply with the original application as proof on 8th May. They have proved the debt belongs to me, but I have been cheated out of my PPI and do not want to pay for this debt (well at least not pay for the amount the PPI should have covered during my period of unemployment). They are demanding payment within 14 days, what should I do next? A. I believe the debt is Statute Barred, but my credit report shows default in 2008 under Arrow Global not Capital One (did they change this?), I KNOW it was 2006 when Capital One defaulted me. B. Is there anyway I can challenge them on the PPI they charged me and wouldn't let me claim during my unemployment? C. Have Capital One been fined for 'wrong' or 'illegal' terms and conditions/ PPI miss selling on cards/ agreements issued in 2005? (it has been suggested to me I can use this to challenge the legitimacy of the debt they are trying to recover?!). I am happy to pay for the part of this debt (if any is left) after they deducted the PPI I was due back in 2005/2006 whilst unemployed. But not the full amount! Please, please help me!!!! Thank you to all in advance.
  19. 2 YEARS AGO I STARTED PAYING THE FOLLOWING DEBTS WHICH ARE CLAIMED BY LOWELL. HBOS CAPITAL ONE LLOYDS I STARTED DEFAULTING ON THEM IN 2006. I AM NOT SURE WHETHER I ASKED for a CCA file or not but all of their correspondence mention the original creditor name. So far I have been advised by DX to send them a CCA file. Which I shall do as soon as my printer is fixed. A new development is that none of these appear on my equifax credit file anymore. Do they still have enforcement powers as I have been paying them a statutory payment for each account. They have offered discounts in the past. What should I be doing meanwhile, apart from the CCA file? And while I am asking for CCA file, should I keep paying? And also shoudl I ask for one CCA file for all of them or separate? In the past they have sent me letters with all three debts mentioned on one letter. Thanking you in anticipation.
  20. Hello everyone I would be very grateful for some advice regarding a Default placed by Capital One. Back in 2010, I started to complain to Capital 1 regarding charges and ppi added to my account. At the same time, I had a direct debit in place- which was not taken for 2 months. I don't recall receiving a default notice - Capital One placed a default , stating I defaulted on 12th November 2010. This was also the same month, that my direct debit was back running as normal with payment taken. I was successful in having the charges/interest refunded, although they took to early 2011 to do so. The mis-sold ppi was also in part of complaint - so I rang Capital One executive team and explained this, this was refunded over the phone and I was advised the Default would be removed. As I was signed up to Equifax, I noticed that the default was removed- but also the whole account from Cap1 too. I assumed this would be the case with the other agencies. 1.5 years later I am applying for a mortgage. not had the need to get finance in the last year so was upset to find that the broker who is sorting our mortgage found I still had a default on experian ( have also checked call credit- there too) with the ppi balance showing. Capital One's response- if we took off Equifax- we would have done so to the other two. According to their records it still shows on Equifax. I am very confused the default balance consisted purly of charges and ppi which were refunded. Which to what I understand makes the default invalid- which is why they removed this from Equifax. They have also placed the number 8 on my file since Dec 2010 to Dec 2012. Really need Cap1 to sort this fast- can anyone help? (have the executive team's email address for correspondence).
  21. I have decided to try and get back all my £12 charges from Cap1 along with a small amount of PPI that I never needed. I have already received all the info back from them, and I sent off my separate claims letters 3 weeks ago, one for £550 of charges and another for £150 PPI. How long before I escalate this claim and what would be the best way forward, FSO or court?
  22. All, My request to a refund of PPI payments and interest going back to June 1999 has been rejected by Capital One. They have provided a copy of my postal application, a "Short Application Form", which has my name and address printed. The application has a section where it states: "Please enrol me in Capital One's Payment Protection scheme" with a Yes or No box. The Yes box has been ticked while the No box is completely blanked out; like it has been entirely filled in by marker. I suspect the application form has been amended after I submitted it. In addition, the ink and style of the tick in the Yes box appears to be different from the rest of the application (possibly a thiner pen). In their response to me they have not acknowledged that the No box had marker over it. They state: "The application form gives two opetions regarding the addition of the PPI policy. The boxes are clearly marked 'yes' or 'no'. Therefore, you had the choice to tick either box and the PPI was only added because you selected 'yes'. If you had ticked the box marked no or left this blank, the PPI would not have been applied to you account. We have never pre-populated or automatically completed tick boxes on our application forms and continue not to do so." They have also said that they send me a copy of the PPI policy after it was taken out. I do not recall this happening. I have uploaded an image of part of the application here: i47 . tinypic .com /wm0ze1.jpg (Sorry, less than 10 posts so I can't post the link or picture directly. Please delete the 4 spaces in the above link) Is it me or does something not look quite right with this? I do not recognise the signiture on the left, presumably it is the Capital One underwriter. I did note that it was a finer pen than I had used though, similar to the Yes tick. I intend to write back and point out the unusual No box. Any thoughts or advice would be gratefully recieved. Thanks Chris
  23. Hello All, And thank you very much for the help and advice that you give so generously. I have been following that advice for six months now - 4 credit cards, 3 with MBNA and 1 with Cap One, all dating back to the early ninties. Six months ago I wrote using your template telling them that I could not keep up the payments. They both agreed to nominal monthly repayments and suspended interest. The accounts never went into arrears and I haven't had a missed or late payment in the past two decades. They have now told me that the suspension of interest and agreement to nominal payments has expired, that the accounts have now defaulted, and that they may sell on to a "vendor" (presume they mean DCA) in due course. My objective is simply to delay and, if possible, protect my credit status - I should be able to get back on my feet over the course of the rest of this year and at that time will probably make them a good offer to settle the accounts. I have told them this in writing and, as a gesture of confidence and goodwill, offerred to increase the nominal payments that I have been making. I am currently living off of overdraft and am scared that the bank could pull this at any time with minimal notice. I have taken cash out of the overdraft and placed it in a seperate account just in case this happens. Presumably, at some point the bank will do a credit check and find the defaults, prompting them to pull the overdraft. My question is, what is the optimum time to request the CCA? Should I do it now, or wait until the CC companies begin to get heavy or assign the debt to someone less obliging? Remember, I'm really just trying to buy time here. Many thanks in advance for any advice you can offer. Haldeman
  24. Ok my post yesterday was a little long and a complete rant!! In short, I have been getting phone calls from Freds about an account which is in dispute with MH, no letters were sent prior to this from Freds to say they had been passed the account and nothing has been heard from MH since Sept last year when I sent them a letter in response to the CCA they sent (2 months after the cut off date) I have stated I will not discuss the account over the phone and any communication should be in writing, after I stated this they sent me a letter asking me to phone them to discuss the account I need some advice really, do I sent them an account in dispute letter? Because I had sent MH a letter offering a final reduced payment but received nothing back from them. Send an SAR and claim all the charges and PPI back? Becasue I know there were an awful lot of charges as I came across old statements last night and every month they were charges for being overlimit, and I noticed some were even added when I weren't over limit which is strange? Any advice would be much apprecited thank you
  25. Hi All, Had a Capital One credit card with 200 pounds limit - at one point in 2007 it went upto 220 and over the course of a few months it escalated to 550! i wasn't aware of these charges as i didn't receive most of the paper work - also i was abroad for some of the time... i then partially settled it in 2008 - but was unaware that it will still be set as a default in 2007 and will not come off my credit file until end of 2013... I sent a letter in feb 2012 to the executive response team at Cap1 requesting for the default to be removed as it's ruining my life and that of my family - The amount increased from £200, simply because of the over limit “unfair” fee charges of £20 in addition to late payment charges of a further £20 plus purchase interest and cash interest – all of this eventually added up to £550 without my knowledge. Earlier today i rung them and understood that they sent a letter to my old address stating that this will be their last correspondence with me and any future communication will have to go through the financial ombudsman... and they have now cleared the balance off my credit report and instead of it saying "Partial settlement" which i settled back in 2008 - it will now state fully settled but the DEFAULT will remain till end of 2013... Is there anything i can do here to remove this DEFAULT??? Basically this default is of a small amount has ruined my Life and that of my family!!! Thank you in advance for your help..
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