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    • Hi All,   I was going to post an update after a month had passed since I sent my SN but didn't get around to it, after about two weeks I received a letter from Highview letting me know the opportunity to appeal had been missed, Shame, lol! .... Anyway, on Sat 13th (the 13th! Aaarggghh! 🤣) I received a Claim Form from DCB(L) .... seems they wish to pursue the matter through the courts! These people really are tiresome ....   Details to follow ....   (EDIT: just noticed this is the 13th post as well! .... not that I'm superstitious, lol! 😂)
    • I think I might have had a CCJ but it was way longer than 7 years ago and I have been able to apply and get loans, credit cards etc. I have been pretty fine with my finances until now, until this mess I managed to get myself into this year   There is nothing showing on the TransUnion credit report about an old CCJ. Is there another place I can look to see if there was one and if so how long ago?  I have signed up to TransUnion and on there it says (in Search History):   ORGANISATION PURPOSE DATE Transunion Consumer Id Check (Ml)   Identity Check for Credit 15 Apr 2024   Nationwide Building Society (Sr,Tac,Ct,Cval,R) Nationwide Building Society Bav (Cval Ml) Anti-Money Laundering 11 Apr 2024   Monzo Bank (Cosmos, Cr, Sa, Ar, Ct Batch) Monzo Bank Limited 2 (Cosmos Ar) AF 10 Apr 2024   Monzo Bank (Cosmos, Cr, Sa, Ar, Ct Batch) Monzo Bank Limited 2 (Cosmos Cr Bsb) Quotation Search 10 April 2024 I think AF means a financial association with someone or something, but I have just read that that could be something as simple as sharing an address with someone (which I do).    Public Information Details of any Bankruptcies, Insolvencies or Court Judgments that are in your name in relation to settlements of money. Bankruptcies and Insolvencies You do not have any Bankruptcies or Insolvencies on your credit report. Judgments You do not have any Judgments on your credit report. There are no Cifas markers registered against you. You do not have any Notices of Correction on your credit report. Does any of this make sense? I don't mean the information I have provided above, I mean why I am being rejected by every bank I have applied for, except Monzo (so far) Every loan I have ever taken out has been paid and settled on time, I have never missed payments on things. The only things I have outstanding at the moment are the ones I listed at the start of this thread when I completed the budget planner.    I have just checked Experian too and there is nothing on there about CCJs or any other suspicious or adverse info that would impact me like this, other than my present situation of course.   Bankruptcy, CCJ or IVA This includes court judgments (CCJs), debt relief orders, bankruptcies, individual voluntary arrangements (IVAs) and other public records recorded against you. You have no public records. GAIN (Gone Away Information Network) Lenders use GAIN to tell each other about customers with unpaid debts. If in the past you’ve left unpaid debts when living at a previous address, you may appear on GAIN and so lenders may be less likely to give you credit. You have no GAIN records.   Should I go to see the CAB or something? I just don't think I have the strength or brain capacity to deal with all of this. The mess I have gotten myself into is bad enough and now this on top. My head hurts. What should I do?  It's all very horrible, I feel genuinely scared and stressed because of all this. I don't understand what is going on    I have raised a dispute with Santander to see if they have done something. I have just explained my situation, what is happening and that it all seems to have started when I told Santander I was struggling, had approached StepChange and transferred my direct debits etc to Starling. It was all going well with Starling, I actually really liked it, but now everything has just gone to !!!!!! and I feel sick to my stomach  
    • have you got any more historic defaults or CCJs (Say, in the last 7 years) that you think would still be showing on your credit record? Something's not adding up here.
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capital one card/sar/ no reply


kenlanelisa
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i sent capital one a sar.

date on cheque 21/july/07 for £10.00 sar.

the cheque was cashed 10/aug/07.

this was taken of my balance as it shows on my statement.

i still have not recieved my statements that i requested.

they have gone well past the 40 days.

:confused:

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If it has reached the 40 days and you still havnt recieved the statements, then you need to send the non compliance letter.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

 

This gives them an additional 7 days.

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gone well over the limit aint they. if i was you i'd send the letter before the lba.

i think thats what your supposed to do, or wait to see if someone else pops along to tell you what to do.

 

 

You can't send the preliminary as you don't know how much they have charged you, hence sending the SAR in the first place :confused:

 

As SeasideLady said, send them the non-compliance letter.

NatWest - WON! £3350 Paid back

Vodafone - Default removed

Citicards - Judgement awarded for £1898, default remains though...for now....

Capital One- WON! Settled out of Court £392 + Default Removal!

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  • 3 weeks later...

could someone advise, sent of the non-compliance letter as we have not recieved statements as capital one way past deadline.

 

they have recieved non-compliance letter but not still sent anything and their 7 days are up.

 

what do i do now? as i have never gone this far with my other debts.

would be grateful for advice. thanks.

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Are you sending everything signed for?

NatWest - WON! £3350 Paid back

Vodafone - Default removed

Citicards - Judgement awarded for £1898, default remains though...for now....

Capital One- WON! Settled out of Court £392 + Default Removal!

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You could try a call to see when they intend to send them, stating you are prepared to file at court. Failing that, you can file at court for them. Here is what you need.

 

N1 Form

http://www.hmcourts-service.gov.uk/courtfinder/forms/n1_0102.pdf

Non compliance Poc

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6971-data-protection-act-non.ht

 

You do claim this fee back aswell, but if you are claiming certain benefits you will be exempt.

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EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

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Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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thankyou seasidelady and dj59, much appreciated. thanks again.

 

what do i do?

print out the n1 form and fill it in?

do i take it to the courts and hand it over to them or do i send it to capital 1?

 

sorry to be a pain but never made a claim before and never filled one of these in / hence newbie.

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Yes you can print out the form and fill it in, But if you fill it in on line, remember it wont save it, so make copies.

 

Yes take it to your local COUNTY court.

 

You can also put a complaint in to FOS.

Financial Ombudsman Service

 

You are not a pain, ;) If you get stuck it is easier if you ask, as mistakes are harder to fix.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Please make sure that you use the new POC at the top of this forum. Just amend some parts to suit your needs.

 

Uk

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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