CCA request to cap one

[blackmanfamily]

ok new update

 

recieved letter from CAp1 and lowell - in same envelope saying debt had been sold on

 

sent bemused letter suggesting write debt off as un- enforceable

 

recieved letter from Cap one asserting they have clearly sent an enforceable agreement and therefore complied and that i should speak to lowell as they now own the debt - do i reply ?

 

recieved letter from lowell saying they are looking into it - do i cca them ?

 

anyone suggest my next move - want to put this to bed and reduce the stress its causing at home

[silverfox1961]

Hi,

I'd be sending Lowells this letter:

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-1462657.html

 

Edit it to suit your needs.

Hopefully they'll see the error of their ways and send it back to C1 (unlikely but you never know)

 

fox

[blackmanfamily]

sent a modified version of the last post's letter and recieved today a response saying that cap one have complied with the cca sect 78

and that they will be pursuingf the outstanding balance

Cap-one appreciate that i feel they have not complied with their obligation, but they feel that this is not the case and advise that i may take the complaint to the financial ombudsman

 

now what do i do

 

cca - Lowells or something else

 

how do we get them to produce a true agreement as at present all they have is an application form same as all others?

[CardFight]

Hi BlackMan,

 

Sounds like there being right shi** to you. I'm about to take them on myself, so reading as much about them here to prepair myself...

 

Just a thought here, I've been reading on this forum lately that CAP1 are being buggers over CCA's, and to get a proper true copy from them is by going down the FULL SAR route. For some reason ( presume because SAR is controled under the Data Protection Act ) you'll get a better response.

 

Don't know if this helps you and hope someone else jumps in here to help you out..

 

Good luck

 

CardFight