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  1. Hi All I was issued with a claim on 9th January which I acknowledged through MCOL, i need to file a defence soon and needed some advice, am I correct in saying that my defence is due by the 11th Feb? The following are the POCs: date of issue - 9th January POC 1.By an agreement between CAPITAL ONE BANK (EUROPE) PLC & the defendant on or around 05/11/2012 ('the agreement') CAPITAL ONE BANK (EUROPE) PLC agreed to issue the defendant with a credit card. 2.The defendant failed to make the minimum payments due & the Agreement was terminated. The Agree
  2. My partner finally decided to claim her Capital One credit card PPI. The card was issued in 2003 which was more or less when PPI was introduced I believe with a avg credit amount of £500. About 2 weeks ago she made a claim using the Capital one/resolver online application. The original card application was completed on the phone and her complaint was it was not fully explained to her what PPI was and why she should be accepting. Within a week she received a reply stating she was not eligible for a PPI reclaim due to the following reason: aged 16-64
  3. Hi I received County court claim back on Friday 4th January despite it states issue date 31 December 2018 it did not arrive in post until then but no matter what I assume date on paper work stands. I then received 15th January a warning from Lowell that they had sent it to court and I should receive something soon their letter was dated 7th January so that came very late. Okay I will get to the facts really hoping for your urgent help and assistance in this as I have suffered with sickness this month and also at same time struggled as had to keep work balance. I don’t want to
  4. Hi Fellas, Can anyone give me a link to the "Get lost, prove it" letter? Had a letter threatening court action, and while I have seen the last few off once papers arrived, I thought it best to try and get ahead of this one for her. Thanks
  5. Good evening We would appreciate your advice please. A friend bought a second hand car from a dealer and as she drove it away, she noticed a smell of burning but initially dismissed it because it was apparent that the car had been valeted inside and out and she believed it to be the heated seats drying or the engine maybe drying off from a clean. Over the next few days, the smell remained and the lights, heated seats, rear wiper and other electrical things started to fail. She contacted the dealer who requested she fetch it back but as the issues deemed the car unfit for the ro
  6. started a new thread as advised. my wife started to get letters about debts from lowells. all have had cca requests sent on 4th july this year, but they have all been acknowledged and all the accounts are on hold except capital one. the paperwork they have sent suggests the debt isnt as old as we thought. i have attached all the letters in pdf format. capitalone.pdf
  7. As a landlord I am continuously surprised at what tenants will allow them selves to be conned into, this tale hurts my sense of fair play to tenants and I hope you guys can help. My friend is the 4th tenant T4, in a shared flat above a shop in south London (shop also owned by LL). It seems to be on individual contracts. The LL assigned my friend T4 with the responsibility of paying the metered supply water bill to the water company (lets call them WC as I am not sure who they are as yet). She calls WC and they arrange 1/4ly DD of £300. Although they did not change the name on the b
  8. Lowell Solicitors sent me a letter in December 2018 saying on 08/08/16 a CCJ was entered against you and you were ordered by the court to pay £50 per month. I haven't paid anything on it. It says they are considering options to enforce the CCJ as its in arrears. The amount of the CCJ is £499.13 It also says to avoid the possibility of enforcement action we need to agree a payment plan with you. This CCJ was issued years ago to an old address, i now know it's my responsibility to inform them of my new address and my circumstances at the time would not allow me to do that b
  9. Hi, I received a Parking Charge Notice for parking in a place I thought would be fine to park in. I have a PCN for £60 rising to £100 that I just can't afford to pay. Things are so tight i'm afraid that this might take me over the edge. Is there ANYONE that can help me? Key details... - Date of infringement: 11/01/2019 - Not appealed yet. - NTK: Not received the notice to keeper - Company: One Parking Solution Ltd. - Place: New England House, Brighton.
  10. Hi, A while ago, for various reasons (including being a doormat and allowing someone to leech off me) I got into credit card debt. Paying it back has been a nightmare. I live frugally and pay as much above the minimum payments as I can afford. The balances are going down, but slowly. It's been stressful and I hate thinking about my debt. My brother has been pushing me to make PPI claims for ages now. (The two worst credit cards are ones I've had for years, and at the time I got each one, the PPI box was pre-ticked and I was told when I phoned to activate each card that it was compuls
  11. Hello,this is my first post and I am seekng advice. I received a letter of claim from Restons. Following on from the advice given to others in the same circumstances as me, I sent a CCA request to Cabot and downloaded the PAP reply form, from here and filled it in. I followed the instructions on post 6 on the PAP thread. Well hubby did as I couldn't get to type in pdf format. I have receved a reply from Restons but don't understand why they are askng me to explain on a separate piece of paper. I thought I had? restons reply 13 04.pdf
  12. Hi. I am currently on similar predicament, https://www.consumeractiongroup.co.uk/forum/showthread.php?479254-Arrow-Shoos-SPC-Old-NewDay-Aqua-Credit-Card-Debt-***Claim-Dismissed-no-DN***/page5 after reviewing all the posts and efforts to divert this debt I am in the thinking that there is only 1 outcome and that is to repay the debt in some form. Is it possible to phone the original debt collector and arrange some kind of repayment plan, or should I simply fill in the C2 on response form for time to pay and send to the sheriff. Thanks for all the information provided between th
  13. Hello everyone Unfortunately, my husband has gone and got himself another PCN. This time it's one that was stuck on his car I haven't seen any photos of the situation yet - I think they will be uploaded tomorrow at the earliest as he only received the PCN today. I was trying to upload the pdf but this website says that I have the incorrect file extension Is anyone able to help me understand what I've done wrong? I tried following the instructions about uploading files. Thanks
  14. Hello My husband apparently went the wrong way down a one way street. He didn't see any signs. I was going to ask if anyone can identify any technicalities we could use to avoid paying the PCN but I can't upload the photos as I don't have enough posts! So I will ask the only question that I can without photos...The PCN arrived yesterday, 21 June 2018, (with first class postage) but I note that the notice is dated 13 June 2018. This means there is a very short time before the 14 days expire. Does this give us anything to argue? Thank you so much
  15. Received letter from Capital One in April 18 RE:A credit card debt. We are writing to inform you we have instruced Fredrickson to act on our behalf to arrange payment of your capital one account, blah blah blah. I DONT HAVE A CAPITAL ONE ACCOUNT. Checked credit file with call credit and already listed on my report as sustained arrears. Steady flow of letters coming from Fredrickson now one stating on 5/6/18 "as there is a default on your credit file this may affect future credit". Checked credit files this morning no default as of yet. Sent SAR to Capital One and
  16. hi everyone, im hoping some-one can help me out with this my brother passed away 18months ago and i was executor of his will. i did my duties as such but other than those in his will am i obligated disclosing info about him to anyone not on the will i.e other familly members just crawling out of the woodwork? many thanks in advance
  17. Rail passengers to benefit from ‘one-click’ compensation READ MORE HERE: https://www.gov.uk/government/news/rail-passengers-to-benefit-from-one-click-compensation
  18. VOLKSWAGEN FINANCIAL SERVICES . WHITE AUDI A4 I have a contract hire vehicle with Volkswagen financial services (VWFS) the car was due to go back at the end of April 18. In early march 18 I attempted to get in touch with VWFS to remove my private plate from the vehicle before I handed it back. in previous run ins with VWFS, its been an absolute nightmare to get back your private plate if you do not do it whilst you have the vehicle. Anyway, I was told to pay an admin fee to remove the plate. This was charged to me and I was sent a form to fill out. I was emailed by VWFS wh
  19. Hi Just after a bit of advice really. My wife had two fixed penalty notices came through today for an offence on 8th August. She was in Brockworth, Gloucester with my daughter who was house hunting. They had gotten confused and a bit lost and whilst they did not notice at the time managed to go a short distance up a bus only link road then turn around to come back. The two tickets seem to show this but are one minute apart. Literally one at 13:54 then the other at 13:55. Yes ok but really two penalty charges within one minute surely not. Each charge s
  20. I am helping a friend with a PPI claim , I recently sent off a SAR to Capital One , within two weeks they sent her a bundle , in it was the original agreement, the PPI yes/no boxes were unticked and yet when I went through the payment/charges sheets they showed itemised PPI charges for £134 , the actual card limit was only for £200 but it ended u over £400. I would like to claim back the PPI for her even if it only serves to reduce the amount she owes, and obviously she can't claim interest because the interest has been frozen on her debt as part of the CCCS and DMA agre
  21. Morning all. I have an outsanding credit card with Capital One ( well pre 2007). Been paying nominal amount for 10 years with payplan The debt is still with Capital One - not sold off to any DCA whatsoever. Is there anyway to check the default date on it ? Both on Clearscore and and Experian I have clean CRF. All defaults well and truly dropped off. The reason I am asking , is that I am currently in process of CCA'ing everyone. Capital One is the only debt NOT sold on to fleecers. But cannot remember / have not got any paperwork with a default notice.
  22. Hi all I made a mistake and tried a ppi agent to deal with Cap1. they paid them and the agent deducted their commission and sent me the balance together with Cap1 letter calculations. Cap1 determined that since i was aware of PPI in 2005 when i cancelled the ppi then i was not entitled to receive interest since it was over 5 years ago. I wrote back asking them to pay the interest since i cancelled the ppi because i could not afford it... NOT THAT PPI HAD BEEN MISSOLD... DIDNT AWARE OF THAT UNTIL MY CLAIM WAS SUBMITTED. They will not budge their offer was final. Ques
  23. Hi all Was wondering if any of you have had any dealings with Frederickson and Capital One? My dh offered an 80% full and final settlement figure to Frederickson for Cap 1 debt and it was accepted. Before he could pay he received a letter from Capital One saying that the debt had now been returned to them?? Any ideas as to what he should do?
  24. Hi All if any one can help , i am looking to claim credit card charges ,late payment and over limit fee . SAR done to capital one and received every thing account was opened in 2005 january . charges in total is £200 interest rate was 34.9% i have done the spread at the interest rate of 34.9% so total amount is coming nearly £9000. should i charge 34.9% or lower ? I have been to court few times on hearing with lowell and won (its was mobile phone contracts) this claim is for my survival and i am willing to go to hearing (if its comes to that point )
  25. Hello All, I'm not sure where to ask this question so move it if it's in the wrong place. I have a defaulted account with Capital One (last payment 1/10/10) it has now been bough by Cabot and the have re defaulted it from 1/11/15. Is the correct and ok to do? I know Cabot are diddley so want to be sure? Surely if it was already default, they can't re default it?? Thank you for your help
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