Hi all, I was hoping you may be able to give me some advice. The background is this:- I had a credit card with CapitalOne but after poor health left me unemployed, I struggled to pay my bills and ended up using the card to pay for food when things got really bad. Unfortunately, I ended up going £6 over my limit and despite informing them of my situation (albeit via phone), the charges and interest just spiralled out of control until they had added hundreds onto my debt. They were calling me and my dad up to 5 times a day and I ended up reporting them to the Ombudsman - a great move as they stopped the harassment then. I had found the CCCS and was able to use their help to get the £1 a month agreement with CapitalOne. I have never missed a payment but they had defaulted it anyway and that has stopped me getting any credit (and places to live because of it!) since 2009. My health has actually deteriorated and as the debt is now about £721, it would never be cleared in a reasonable time like this but I have no other option. I recently accessed my credit file and my history on that is great - it is literally only capOne that shows up as 'red' for the 2009 default. This is where things got interesting... I had also noted that my other creditors (4) all show our arrangement of £1 a month with every month listed and up to date. The CapOne debt however only shows the default in 2009 and no other payment is recorded on there, to show that our arranged payments are up to date. I called them and I asked if they could please show this on there, like the other creditors do (I've got no statements from CapOne either to show any of my payments over these years but have from the others). The answer was "No" - "not the way we do things". As I can't see my financial situation improving, this would mean having problems in my credit history for ever! I explained that I was concerned about that as my situation was brought about by my disabilities and was simply told that it is "important to keep your payments up to date so that your account stays with us". .. This is where I told them that I would rather it was with someone else, that may show my payments to them are up to date. I was then informed that if I missed 2 of my payments, it would be passed onto a debt collection agency. I let them have a 'care of' address (my dad's address) as I was moving soon but did not know my forwarding address yet but my mobile number was still valid if they needed to talk to me. I stopped paying and waited... Sure enough, about 8 weeks later, I got a letter from Fredrickson's to my dad's address and had some missed calls on my mobile, with messages for me to call Fredrickson's. I also found out however, that they had also been harassing my dad with calls - not a number I had ever given them and this made me think twice before contacting them. I researched them on here instead and the general advice was not to call them but to ignore them and so I have been doing that, in the hope that they will give up and pass the debt on again to someone else. I then got a letter to my new address, which I had obviously not given them, that was asking for confirmation of whether I lived there. I ignored it. Today I got a letter from Bryan Carter Solicitors though and I've seen what they can be like from threads on here so this is when I thought I should ask for advice. I tells me that I must contact Fredrickson's within the next 14 days to arrange repayment, failing which they will recommend that proceedings be issued against me and it lists the costs. It then goes on to tell me that I can avoid the account being formally referred by calling Fredrickson's 'immediately' and that this is a 'serious matter' and that I 'may wish to seek independent legal advice'. Can they issue legal proceedings if I have had no communication with them and have not confirmed this as my address or is this just another scare tactic to illicit a response from me at this address? If I should respond, does anyone know if they would show my payments as being up to date on a credit file or are they just as bad as CapOne? Should I be sending a SAR to CapOne or a CCA to Bryan Carter? Any advice is greatly appreciated. If they obtain a CCJ against me, it would defeat the object of trying to rescue my credit history so that is definitely something that I do not want. Apologies for the essay!

Hi, I wonder if I could get some advice, please... Having sent Bryan Carter a CCA request, last week I received a reply from Capital One telling me that they weren't going to deal with it because my signature didn't match their records (I had printed my name). On Monday, just as I was looking up the most appropriate response on other threads here, a Claim Form plopped through the door! For those who need this info, the particulars of Claim are: The claimants claim is for the balance due under an agreement which is now all due and payable. The defendant agreed to pay monthly instalments under agreement number xxxxxxxxxxx but has failed to do so. And the claimant claims the sum of £XXX.XX The claimant also claims interest therefore pursuant to S.69 county court act 1984 limited to one year to the date hereof at the rate of 8% per annum amounting to £XX.XX Now, up to this point, I've been OK but as this has the potential for me to severely cock things up if I go even a little wrong, I seriously need some advice! I am pretty sure I never signed an agreement. I can't be certain but I think I filled in a postal application and then the card came in the post. I'm also unable to be exact on the date but think it was before 2000. My question, obviously, what should I do now?

hi , approx 3mths ago i got phone call out of the blue from a company called CAPQUEST, at first i did not know what they where talking about but turns out i had a debt from approx 8/9 years ago from capone for £53(this was news to me) they said i had been paying £5 every month for the past 8 years from my bank account which had stopped once i moved accounts. when i checked this it was true and i paid the outstanding amount straight away so nothing would appear on my credit file. i have subscribed to experian for the past 3yrs just to keep an eye on my credit files which have had no defaults on them and always has been excellent. as soon as i paid this a file appeaed which showed up about 18mts defaults i phoned capone and asked what the story was and they said they had contacted me with default letters, the thing is i have moved about 4 times since i had a capone card, and told them i never received any letters, i posted of my experian full credit report to them which showed all my addresses and credit details which also showed no default and asked them if they could remove this from my file but they wont play ball. how can i resolve this situation. thanks