Hello everybody, I am acting for my partner who had PPI added to his Capital One credit card account one month after he took on the credit card. He did not sign or tick a box to accept PPI. He was quite clear to Capital One during the application process - he didn't want PPI. One month after he signed the agreement, Capital One telephoned him and asked him to have a direct debit. He said yes to the direct debit. He always worked very long hours so did not notice until last year that Capital One had added PPI to his account the same day as that phone call. As soon as he noticed, he cancelled it. Capital One refused to refund the PPI payments. We went to the FOS, whose adjudicator gave his decision that because my partner spoke to Capital One in that telephone conversation one month after opening the account, my partner "must have, on the balance of probabilities", agreed to taking out PPI. This, despite the fact that my partner provided the copy original credit card agreement, (hard evidence), and Capital One only provided the standard blank telephone script. We complained to the adjudicator and asked for an ombudsman to take on the case. The adjudicator wrote back explaining his reasons in full, and saying he wanted to "resolve the matter informally", and asked my partner again if he wanted to put it to an Ombudsman, or accept his "view" so as "not to delay matters further". My partner has written back saying that he had already requested that the matter go to an Ombudsman and that he is contacting our local MP. I personally believe that the FOS have agreed a quota with the credit card companies, as to how many consumers' claims they will let through (decide in favour of), and that they are now under so much pressure due to the number of claims they are processing, that they now wish to get rid of as many claims as possible, without looking at hard evidence. I believe it will take interference from an MP to get a fair investigation and a fair decision from the FOS.

Recently received a letter from the above, refering to their clients as Capquest and originator HBOS for an amount of almost 10 thousand pounds, saying they are instructed by Capquest to commence legal proceedings if proposals arent made by the 14th of this month, to clear the debt... As i have no idea where this is from and is not showing on Noddle or Experian I am wondering If anyone can help please?

hi you appear to have great knowledge on there guys!!! I have received a letter today regarding an old debt for a repossession shortfall house was repossessed in 1999 sold for under value and left us with 22000.00 debt in the following years we did make small payments to various debt collectors - but to be honest this was not priorty and as a result of this we received correspondence in 2008 about the debt at this time we did see a solicitor - we could not possibly clear the debt and they applied for a charge against the property we live in now - which is mortgaged. I have printed off LR document today and it does state a finalised charging order in 2008 in our ignorance we just thought that was an end to it all until we sold the house or die but now this letter today is saying we have to pay I called them - they had no knowledge of the charging order and just basically bullied me I said I could not give them financial info over the phone and they are sending me a income assessment form in the post can you please advise what our next action should be thank you for taking the time to read this much appreciated gill

Hi There, Bit of a shock - the other day I received a letter from Northampton from a solicitor representing Arrow on behalf of a debt to Tessera? just over £1000. Without a shadow of a doubt this debt is statute barred - I cannot even I identify who the original creditor is (although looking at the account number quoted it appears to be a card number - But I do not know who from) Obviously my intention is to initially reply stating I intend to defend and then submit a defence. I have read multiple cases on here now but would love to have a few pointers and a bit of support on this one. There is nothing on my credit record so I genuinely do not know who this is for. Should I contact the Solicitors with prove it/give me paperwork to show letter? Or do I communicate with the courts only? I am more than happy to do battle on this _ I just want to do it right. Many thanks in advance - if you need me to provide further information - let me know. Thanks

Hi all i've stumbled across this website as I have Buchanan clark&wells chasing me, 2 weeks ago I got a letter regarding a debt from approx 9 yrs ago (next catalogue account). I called them to say they have the wrong person then i got a call on my landline and then a verification letter and now today a letter saying they will accept half the debt if i pay now (I have not admitted I am the person they aare looking for). I have read that you can send a "sar" letter if there is not a ccj against you and the debt is over 6 yrs old? i have joined experian but are waiting for a password so i can log in and view my credit file and see if there are ccj's. I am very worried about this as I dont have the money to pay and had actually forgot about this debt as i have moved several times over the last 10 yrs! HELP!!!!