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Found 3 results

  1. Sham one folks, please see below a copy of a letter I received from Lowell, I did start to pay this debt via Payplan before I found this forum. The debt is a credit card with Capital 1 for just under £400. I stopped paying and told them I wanted my CCA and my SAR which I still have not received, I was hoping somebody could advise me on what my reply should be, I am also pretty sure that they should not encourage people to pay by credit card e.g., Encouraging people to take out more debt. I also have the same letter regarding an Egg account even though the CCA the
  2. OK I am getting confused. Both my husband and I have accounts with capital One. I negotiated payment plans and was successful with mine offering £10 per month. However for some reason they wouldn't accept the same for my husband, despite sending and I&E form showing we could not afford more. Then he received a letter from Cougar asking for urgent contact. Phone calls started which I did not answer. I emailed several times offering £10 per month - emails were never acknowledged, however, letters were then received stating that the proposal was comple
  3. Hiya, I thought Id already posted this but cant find it???. ..maybe I didnt post correctly.. Hubby has a debt with Cap1 and they have now defaulted it. We have recently moved house and havnt updated our records yet but yesterday we sent off an SAR request with a change of address inside along with a photocopy of his passport- hope thats sufficient. Today we get a phoneall off the mother in law saying theres a letter at hers for him. She hasnt opened it but as you can imagine we were shocked when he opened it and it was a debt letter from Cougar about said
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