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Hi

Wonder if anyone has any advice. Have been in an arrangement with Cap1 paying off £5 per month for 2 years, all goine Ok. Now I have received a letter saying the arrangement has come to an end together with an income/expenditure form-OK. however they are also asking for a copy of a recent letter confirming my benefit (jobseekers) how much and payment frequency. They are also asking me to send them copy of a bank statement showing receipt of income and general living expenses. I hhones them today and they confirmed that they need to see if I am getting any other income and what I am spending. Should I be sending such a bank statement containing my personal details as they will already have it on the income/expenditure form? I find this very strange, any advice.

Thanks

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No, absolutely not. Get in touch with one of the Debt counselling agencies, CCCS, National Debtline, CAB. Get them to help you do an Income and Expenditure summary. Cap 1 have no legal authority to request those documents and you are under no obligation to send them.:)

 

You really shouldnt speak to them on the phone either unless you have some way of recording what is said. Keep everything in writing that way you protect yourself :)

 

If they contact you again by phone. Tell them you are having one of the Debt counselling agencies to help you set up a plan. xx

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1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks Citizen for your advice, this is different from anything they have done before, I have a feeling that they want to default the account to sell it on.

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Very probably. Good luck. Keep your thread updated and others will pop in and give you advice as well. :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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:D

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Also Mac, send off for an S.A.R. (Subject Access Request) for all of your data they hold on you. I bet there are a lot of charges there you could claim back. It costs £10, not £10 per sheet. Send in a postal order for this amount with your request.

 

The address to send it to is here:

 

Data Protection Act request address

 

Legal Compliance Specialist

Capital One Bank (Europe) plc

Trent House

Station street

Nottingham

NG2 3HX

 

I have left some links below for you.

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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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Thanks UKAviator, i have sent back my income details with only the entry on my bank statement for their payment and my Jobseekers payment thats all i will see what they come back with but I feel they will want to offload the debt so I will SAR them before they do, I have been reading some very interesting threads on here about Cap1 - thanks for your links as well.

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You're welcome, keep us posted. . .

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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  • 3 weeks later...

Hi, I have an update on this one. received a letter from Cap 1 today asking them to ring them, I did so (using a friends mobile - i dont have a phone, they hate that!!). They are still insisting I send them a full months bank statement and that this is their 'policy and procedure'.

Afterwards I rang CCCS who said that this is not correct and that I should write to them to complain. I have prepared a letter of complaint saying that their request is unreasonable and an invasion of my privacy etc and giving them 8 wekks (CCCS suggestion) to respond. I have confirmed I will continue to make payments and that until this matter is resolved no further action should be applied to the account (wishfull thinking on my part). If they still insist on a statement or fail to respond to my complaint I will refer it to the financial ombudsman. Do you think that this is OK? Does anyone know if they are breaching any codes of conduct in requesting this information? Also is it time for CCA/SAR from them.

Any advice/suggestion would be appreciated.

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Hi, I have an update on this one. received a letter from Cap 1 today asking them to ring them, I did so (using a friends mobile - i dont have a phone, they hate that!!). They are still insisting I send them a full months bank statement and that this is their 'policy and procedure'.

Afterwards I rang CCCS who said that this is not correct and that I should write to them to complain. I have prepared a letter of complaint saying that their request is unreasonable and an invasion of my privacy etc and giving them 8 wekks (CCCS suggestion) to respond. I have confirmed I will continue to make payments and that until this matter is resolved no further action should be applied to the account (wishfull thinking on my part). If they still insist on a statement or fail to respond to my complaint I will refer it to the financial ombudsman. Do you think that this is OK? Does anyone know if they are breaching any codes of conduct in requesting this information? Also is it time for CCA/S.A.R - (Subject Access Request) from them.

Any advice/suggestion would be appreciated.

 

 

They are definitely breaching OFT Guidelines. I would go the SAR route, you can specifically request a copy of the agreement in with that. On top of which you will receive all your statements whereby you can see any charges/late payment fees applied which you can then claim back. But I would get in quick with this if you feel it is their intention to pass you over to a DCA. They have 40 days in which to provide you with the information requested, but you must include a £10.00 postal order. Point out that the £10.00 is not to be used for any other purpose.

 

You might find Trading Standards a better option in the first instance should they continue to harrass you for the statement.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Here you go mac, this link will take you to the SAR letter generator.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/96518-data-protection-act-subject.html

 

Good luck :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Citizen, that generator doesnt work, any idea where I can locate the template letter? And also will the address to send it be the same as their letters? (PO box 5282 Nottingham?)

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Citizen, that generator doesnt work, any idea where I can locate the template letter? And also will the address to send it be the same as their letters? (PO box 5282 Nottingham?)

 

 

Hi Mac,

 

I think I might get into trouble if I put the letter on the thread.. so I have pm'd it to you.. I hope.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Cheers Citizen, Rec'd OK

 

 

Phew, brilliant. Good luck :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 3 weeks later...

Hi all, I sent a letter of complaint to Crap 1 regarding their insistance of me sending them a full bank statement and I have received the following

caponeletter300608008.jpg

 

I have no intention of supplying this, any ideas for a reply

 

I SAR'd them yesterday

 

Thanks

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You can if you wish go to CAB / National Debt line/ CCCS and ask them to draw up a budget / Income & Expenditure summary for you. Once they have done that, then you could write back to Capital one advising them that you dont understand why they are refusing to accept the word of a reputable third party who have prepared the statements for you.

 

I continued to refuse to bow to pressure to send documents to them. At one point I wrote and said that if they wanted to see documents of that nature they should take OH to court. The next letter I received was from DEBITAS who are their In house collection Agents and was never asked for personal information again and I just continue to pay what I said OH could afford. HTH.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks Citizen, When I wrote to them complaining I made clear that the original budget was prepared by CCCS and that they never required a bank statement when they last reviewed by budget in August 2006.

What I propose to do is again question their need for this document and ask them for a copy of their company policy that requires this. I will also confirm that my payments will continue to be made, is this OK?

Thanks

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Thanks Citizen, When I wrote to them complaining I made clear that the original budget was prepared by CCCS and that they never required a bank statement when they last reviewed by budget in August 2006.

What I propose to do is again question their need for this document and ask them for a copy of their company policy that requires this. I will also confirm that my payments will continue to be made, is this OK?

Thanks

 

 

That sounds like the right way to approach their stubborn attitude. Whilst it might be their company policy it certainly is not a legal requirement.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Nothing ventured, nothing gained. Good luck :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 4 weeks later...

Im probably answering my own question but are these people totally thick or what?? I am still waiting for a satisfactory answer to my complaint re the bank statement and they have now sent me an identical letter that started all this off, ive written back reminding them they got till 8 Aug otherwise i go to the ombudsman. Also no news about my SAR, they received on 7th July, if I hear nothing after the 40 days what do I do next??

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