capital one charges. help!

[xxorlsxx]

Thanks Pinky and fife,

Robinalex, thanks for your input, but if you think that these scumbags wont sell the remainder of the debt to some other low life company your sadly mistaken, these people have no sense of morals and should be treated whith the contempt they deserve. Thanks anyway.

[andy3333]

i used to work for robinson way , the debt has been bought for a minimal ammount , it is a waste of time discussing charges with them they have no idea of he charges or how they are worked out , if you owe 1000.00 for example offer them 400.00 as a full and final the colecter on the end of the phone will bite your hand off for that ammount on a bought debt , it is all about negotiation most people who you speak to have worked there fo about a month

[IdaInFife]

Have you actually started reclaiming the charges?

 

If not then it's not in dispute unitl you do so.

 

If you have and you have a claim at stay then you can send them a letter stating that nothing can be done with the account until the the ruling

 

idax

[xxorlsxx]

Hi, No i hav'nt began to claim the charges back yet, but i'll do it next week, i have written to RW about four times now to get them to put in writing their acceptance of my offer being a full and final one, they just dont want to do it, these idiots dont seem to grasp that they're not getting the offer i made untill they accept it properly in writing.

[xxorlsxx]

Hi All,

I'll keep it brief, started sending CQ £1 PM on a debt then found this site and got advice, so i CCa'd them and havent heard from them since, (one year now). Im of a mind to sue them for the payments i've made to them as they dont have the legal right to collect the debt, i hate these vermin and would love to get my money back plus intrest and costs, plus they have commited a criminal offence by not complying with the CCA so i may report them to OFT.

Here's the thing, they only had a few quid off me so i'm thinking shall i let sleeping dogs lie? Any thoughts?

Cheers.

[Curlyben]

Bear in mind that they can still comply with your CCA request at any time, but while they don't it is unenforceable.

The criminality aspect of s77-79 has been removed with CCA 2006, but it was never actioned anyway.

 

So all in all be thankful they have stopped hounding you and put it down to experience.

[xxorlsxx]

Cheers CB, i think thats what i'll do...

[xxorlsxx]

Hi All,

I SAR'd cap1 a while back and ive been looking at the statements they've sent, its a little confusing, the CC limit was £400 and the amount they sold on to the DCA was £615, i can only see one set of charges for £43, but in the statement they included a list of abbreviations for reference, one charge of £169 has the abbreviation "DNL" and the other "SOD", i cant find these in the list for reference they enclosed with the statements, can anyone shed any light on this for me?

I really want to start proceedings against them asap, should i just call the £215 they've added as charges?

 

Cheers.....

[OnMyWayOut]

If they aren't genuine transactions on the account that you have authorised, then they must be charges or other interest.

[MARTIN3030]

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/158682-capquest-dont-let-them.html

[xxorlsxx]

Hi All,

I have been looking at my cca again from cap1, from what ive heard there must be prescribed terms and conditions, one is that it must have your credit limit, all mine says is 'the credit limit will be determined by us from time to time under this agreement and notice of it will be given by us to you', there is no actual monetary figure, is this agreement enforceable?

Any advice would be great, cheers.

[reallymadwoman]

The prescribed term for the credit limit is allowed to be either an actual amount or a statement about how it will be determined, so unless something else is missing or inaccurate, the agreement is enforceable.

 

If you have a scanner the best thing to do is upload a copy of the agreement, with all personal details removed, and let one of the experts take a look just in case.