Are CapitalOne really this stupid?

[The GodMother]

Well if you only upset them when u send a CCA request what happens when u send court docs?

[citizenB]

Well if you only upset them when u send a CCA request what happens when u send court docs?

 

Shall we send them some and find out ?? :grin:

[babybear39]

Shall we send them some and find out ?? :grin:

 

It would be MAJOR toy throwing and dummy spitting

[zazen.warrior]

Post removed.

Edited July 29, 2010 by zazen.warrior

[Pipster2797]

I owe a small amount to Cap One too (One of my many creditors )

 

They have sent me the same final response letter too. I'm just not going to reply to it now and let them contact me again. The CCA they sent me was unsigned too and I'm sure all I signed was an app form anyway but not 100% certain

[zazen.warrior]

Post removed.

Edited July 29, 2010 by zazen.warrior

[ODC]

Dear Ellie

 

Thank you for your pathetic letter following your supposed Final Response. I am surprised that I need remind you that what you sent in no way complies with my CCA request. I suggest you study S60. 61 and 127 of the CCA 1974 before youu send me any more pointless post Final response letters.

 

yours etc

[huggy41]

in no way should anybody or company be in the position to offer credit where there IQ is below there shoe size .I therefore suggest you get out of this business.

[emmaf01]

Have they not sent a CCA as well, ZW? I got one yesterday, though it may not be all it appears- lets just say there are crease marks on the signature page which don't match up with the second copy page! It;s got me very confused.

[zazen.warrior]

Post removed.

Edited July 29, 2010 by zazen.warrior

[Pinky69]

They have definitely lost the plot. I CCAd them in March. got the usual loo roll from them in reply and I totally ignored it. I haven't hear a cheep from them since - nothing, zippo, zilch. I doubt if they even know what day of the week it is!

[The GodMother]

They have definitely lost the plot. I CCAd them in March. got the usual loo roll from them in reply and I totally ignored it. I haven't hear a cheep from them since - nothing, zippo, zilch. I doubt if they even know what day of the week it is!

yep its sunday

[23sopwith]

i posted on this topic way back (post 69)

got letter from cap quest who debs passed it on to

the usual rubbish

photo copy of application form

there can be no doubt it says application form on the doc

no t/c amount etc but theyve been nice enough to put the a/c on hold to allow me to make a payment offer.

i hope theyre not holding their breath

[emmaf01]

Well I got a letter from NCO in response to my bemused letter, telling me if I want to request a CCA I have to send a £1 postal order.

 

So they didn't bother to read my letter then...

 

So I get to send them a letter saying that I sent their client a CCA request and a £1 postal order in AUGUST and I haven't got an enforceable CCA out of them yet.

[citizenB]

Well I got a letter from NCO in response to my bemused letter, telling me if I want to request a CCA I have to send a £1 postal order.

 

So they didn't bother to read my letter then...

 

So I get to send them a letter saying that I sent their client a CCA request and a £1 postal order in AUGUST and I haven't got an enforceable CCA out of them yet.

 

 

Emma, send them something along the lines of:

 

Dear CapQuest,

 

My response to your letter dated XX XXX 2008.

 

I sent your client a CCA request and £1.00 postal order on xx xxxx 2008. They have failed to supply me with a copy.

 

Now why would I want to send the same request and a further fee in order for you not to be able to supply the same document ?.

 

Please refer back to your client.

 

Yours faithfully,

[emmaf01]

I think I will also put in a small bit along the lines of -

 

I would also request that to avoid any further waste of time and resources, NCO only respond after thoroughly reading any further correspondence I send them, before responding. This would prevent you sending of any further letters which are completely irrelevant to this situation or my previous correspondence with NCO.

 

I really can't express the dumbness of NCO's last letter. Gobsmacking.

[The GodMother]

well msybe they should go to specsavers

[Pinky69]

I don't trade letters with them because they don't read them -they just press button X and out comes the next template. I CCA them, wait for their response (or not), then if they send me another template after that it's straight to their complaints department, bypassing the Stepford Wives who deal with the mail.

[The GodMother]

pinky maybe that should be my new way of dealing with this DCAs/ OCs.

[Sol]

Subbing

[TickledPink]

We've been having issues with CapOne for the past couple of years. My other half is currently paying a £2200 cc bill at £5 per month by direct debit. My £870 bill, on the other hand, is going to be disputed. It's been in the hands of Robinscum Way for some time and we have a major argument on the phone with one of their droids a couple of weeks ago.

 

If they want to be funny, then so can I.

 

I've already got a copy of my statements from Capone. They show a LOT of charges, some amounted to £40 per month. In total it works out at £320, plus the additional interest this caused. I guess the next task is to get a copy of the original Credit Agreement?

 

What then?

[emmaf01]

You can CCA them, then claim your charges back if you want. That's the order I'm doing it in!

[citizenB]

We've been having issues with CapOne for the past couple of years. My other half is currently paying a £2200 cc bill at £5 per month by direct debit. My £870 bill, on the other hand, is going to be disputed. It's been in the hands of Robinscum Way for some time and we have a major argument on the phone with one of their droids a couple of weeks ago.

 

If they want to be funny, then so can I.

 

I've already got a copy of my statements from Capone. They show a LOT of charges, some amounted to £40 per month. In total it works out at £320, plus the additional interest this caused. I guess the next task is to get a copy of the original Credit Agreement?

 

What then?

 

If you have all your statements, then you need to complete a spreadsheet, then send a letter enclsoing the spread sheet to Capital One. Follow the instructions on the right hand side of the following link. On the spreadsheet page, make sure you choose the credit card spreadsheet. If you start your own thread then people can follow your progress and advise where necessary. Good luck.

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html

[emmaf01]

I'm useless at the spreadsheets on here, and the old google ones don't seem to work anymore. Are there any alternatives?

[citizenB]

the only thing I can suggest is to look through some of the threads where people are making claims and see if there are any other links.