Forgottenone/Capone CCA/Default

[Sparkles100]

I would guess that the best thing is to send again, and make sure you get receipt this time.

 

Sparkles.

[WendyB]

Hi justr been reading through again. With regard to you saying you are on IB and can't afford to file at court, did you know you can get exemption from paying the fees if you are on a low income?

 

I am sure I posted this info on your thread yesterday, with links, but seems to have disappeared. Unless I am imagining it and actually posted it on another thread instead lol.

[Guest forgottenone]

Yes, thanks for helping me to make my mind up. I get in such quandries at times, need to get feedback, bounce ideas.

[Guest forgottenone]

Hi, Wendyb. No, not imagining it ... ... the threads all got merged. Didn't realize myself til I came back to post in one ... and wouldn't let me ... then logged back in.

[Guest forgottenone]

Oh, one more thing. Which address have/did you use when you contacted Capital One? Just to make sure I am using the correct one ... you've seen their statements for example ... and letters ... often they are very confusing which to write eg 'send your CCA request here' isn't exactly signposted well ...

[MARTIN3030]

Anything legal should always be sent to the registered office.

Proof of delivery online is not always possible...since it relies on the delivery person getting his logs inputted onto the system..but you can call them and ask for verbal confirmation.If it wasnt delivered then it would have been returned to you in almost all cases especially as your name is on the back !

For an item such as this I would use special delivery...costs about 3.00 more than recorded but well worth it and guaranteed before 1 next day.

 

Yes its true - you should be entitled to remission if you are on benefits.

The form EX160 is easy to fill in and can be done from the HMCS website.You only need to fill out 1 copy.

If you have already paid for anything you can claim this back on the same form..assuming that you qualify.Certain benefits are eligigible for full remission.

[MARTIN3030]

CAPITAL ONE BANK (EUROPE) PLC

Trent House

Station Street

Nottingham

NG2 3HX

[MARTIN3030]

Ammended

Edited June 27, 2008 by MARTIN3030
see lower post

[Guest forgottenone]

Thanks. Will get another one off but to that address. Will try, before I do to get verbal confirmation off RM tomorrow if I can. Got another appointment in the afternoon for something else ... so will try and get it whilst opening hours. That's what's puzzled me ... not returned if undelivered so, really, must be 'somewhere?' Will send in future, though, by Special.

 

Had this problem before with no online confirmation with an Airsure package. Ended up phoning them, getting it verbally.

[Guest forgottenone]

Yes, was looking at their registered address earlier ... so, the Euston one for CCA? Getting mixed up, my apologies.

[Sparkles100]

Thank you Martin, I was sure one of the Moderators would be best to advise. I am dealing with Debitarse at the moment so I only have my banking address for Crap1

 

Sparkles

Edited June 27, 2008 by MARTIN3030
Euston Rd Address removed

[Guest forgottenone]

I have yet to have that pleasure ... Debitas ... or Capone ... hard to tell, yet both the same ... ...

Althought I am already dealing with a bred hybrid with another company. And they aren't even genetically modified crops. lol

[MARTIN3030]

Sparkles-NinaP is having some dealings with Debitas too-I have put the link in your thread.

[Guest forgottenone]

Thanks. Was just glancing over that.

[MARTIN3030]

********CAP 1 Address-service of papers etc************

 

Following consultation with other team members-I am happy to inform you that the Nottingham Address IS the one that should be used,and is where their legal team is based.

Apologies for any confusion.

[Guest forgottenone]

Didn't get time with everything ... to check verbally with Royal Mail ... weekend, anyway will check Monday.

 

Martin, there is one thing I'd like to ask? ... Been going over the letter again today, trying to tidy it up mentally whilst on the bus, notes on my phone etc ... and think it's wiser if I could PM you when I've completed it?

 

Just to ensure I'm saying the right things to them.

[Guest forgottenone]

I dont see any reason why you should not make it ABSOLUTELY clear to them that you WILL be reporting them.

 

Oh, yes, I am going to now as of last night. Going to try and get my head together enough now to get it much shorter. Got some other info I thought of today to sling in now.

[Guest forgottenone]

And - ding(!) - after having a 'Eureka moment' after 2 days about this letter ... just realized it doesn't even have to be anywhere near that length ... apart from what I want to personally say to them, way made to feel ... because I can let the relevent acts/legislation speak for themselves. I think.

[willtheywontthey]

Am in similar position with C*apitalWan* - the phone calls have really really annoyed me and I eventually complained to Ombudsman who is 'busy'.. this is now 4 months or so ago. In between I have sent a few more letters to them.... have unplugged landline now for some months now for peace and quiet because of them. Since the complaint C*apitalWan* have replied a few times to my numerous letters to cease calls (they are not supposed to I do not think if complaint final response?) - they have stupidly apologised 'for the distress these calls obviously cause but...........' and also said they 'realize these calls are causing you inconvenience....' and ceased calls for 28 days... immediately called after this duration. This in my view is admittance.. think they have stopped calls to mobile but not risking checking landline! They might well have run out of time (40 days) for complying with SAR request for 'everything' (including call logs etc!!)... I think they are up to something yet again... sorting out letters etc tomorrow - first chance to catch up for a week or so.

 

Good luck!

[Guest forgottenone]

Hello. There may be some useful hints here re your mobile calls here:

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/149763-being-harrassed-telephone.html

 

Least you can stop them on that score. Now, this is fairly drastic measure to take but ... it may come in handy for any witheld or 'international' ie non geographical UK numbers *don't always come from overseas for example* they may then choose to use to get at you ... because this is also abuse of the telephony system, harassment because they don't want you to know who they are ... and you've asked them politely to stop ... but if you used BT for example ... for an entirely different reason I have had - twice - a line trace installed on my phoneline.

 

If you explained to your phone provider that you are having a number of phone calls causing you so much distress, they are causing you harm and from unsolicited sources ie you did not give the permission to contact you ... enquire about this service. It lasts for one month but like I suggested it could come in handy on 2 fronts:

 

1) They will inevitably move onto witheld numbers; strong likelihood once they know you are not answering the displayed calls

2) And it will also go on record when traced

 

That is just one possible action ... yes, it is drastic but you have every right to protect yourself as does anyone ... put it this way if creditors received abusive phone calls like we/you do which were unwanted they'd soon be on to the police to stop you make no mistake ... and use the same laws there to protect US from THEIR harassment against consumers ... they can and they will.

 

A phone trace is also monitored by the police as well as BT. You are provided with a call log sheet, then enter a number when you receive such a call witheld or otherwise ... and it is then automatically traced back to the source.

 

OKay, it's ridiculous anyone should have to go to such lengths but if perfectly reasonable requests go ignored, then they are acting with prejudice and against your wishes and you have every right to protect yourself from such harassment. These companies know damn well how to behave ... yet they still do it. No different to anyone making nuisance calls to your home. At all.

 

 

That's just a sudden idea I just had so please don't take it literally and is of course your own choice if you use that method. But it's one method of protection freely available through BT at least.

 

Simply and plainly they are abusing the phone system in this way. But also interfering with your plain rights to use the telecommunications system which you pay for to use. Asserting my rights is not something I've always done nor come naturally to me, whilst I do not think companies, anyone should get away with reprehensible, questionable practices but I recognize for my sake, for anyone elses ... I have to with these companies.

 

Anyway, consider that option ... it's free. But also the posts I made on that thread about mobile phones ... least you can stop them phoning it.

[willtheywontthey]

thanks .. regarding the mobile phone I use a callblocker but that merely cuts them off and identifies who it was.. which is really just the same as having them phone me to be honest. They also have (I think it is them) 'unknown' calls which get through but do not allow a number to call back.. I guess an overseas call centre or voip? Impossible to prove who is harassing you when there is no number / evidence.. and Tiscali will not supply incoming call details. What if I am abroad - costs etc! Phone is taken to work and used for work purposes also (shouldn't I know but makes my life easier!) and partner uses it... all this mentioned in very last letter to them

 

I am with Tiscali for the phone and line rental and they say they do not have to help me in any way or form regarding blocking calls.. they cannot do it they also say. I have sent them several emails. At first they said it was BTs responsibility. Guess what .. BT say it's Tiscalis... and so on. I have even said I am going to report Tiscali to Ofcom or whatever they call themselves nowadays.

 

Both have offered to change my number... but why should I?

 

I have not heard of anybody getting Capital One to cease calls permanenetly and delete records 'yet'.........

[Guest forgottenone]

Tiscali should still have a team/dept as an obligation deals with phone nuisance. They are a phone provider. So should have one.

 

Re changing your number ... no, you shouldn't have to ... but least it would stop your mobile receiving them. You should also - on some handsets - be able to block through your phone security settings individual numbers or only allow calls from those in your contacts/phonebook ...

 

Yes, those were the ones I meant re VOIP. Let me guess, using my experience with Tiscali, it's an Indian call centre telling you this or not? If so they are advising you incorrectly, not a clue what on about; as usual. Not accustomed to UK laws, regulations, our way of life. So because they don't have a clue they will tell you anything. I have the same trouble with my broadband ... until I get through to someone in the UK, it becomes a whole different matter eg they KNOW what to do.

 

I think Tiscali are advising you incorrectly really I do. They as a responsible phone provider have a contractual obligation to protect you from harm whilst you are paying them for the provilige.

 

It's only for peace of mind, really, until you could prevent it some other way. I cannot remember the name of the team Tiscali should have for things like nuisance calls but they have them ... each phone provider has it's the law far as I know. To comply with basic telecommunication regulations at least.

 

But at least change your mobile number ... mine was changed for free once I explained *for something else NOT a creditor I add* what was happening it was done instantly. It may be a pain eg for work, making sure everyone you personally know has the new number ... but least you will stop them.

 

I know companies can be hard ... even BT is getting harder to communicate with now moving most of their operations outside the UK for calls ...

 

I'd try and keep at them if you can. They are not giving you the correct information ... least about the phone trace on your landline ... it will trace it direct and instantly back to the source ... the caller can be prosecuted under criminal law. Capone has already admitted it's them yet continue to cause you this distress.

 

It's an insane situation.

[Guest forgottenone]

Still no CCA, definitely no sign/confirmation verbally with track and trace.

Edited July 11, 2008 by forgottenone

[Guest forgottenone]

Removed.

Edited July 20, 2008 by forgottenone

[steven4064]

(not)forgottenone

 

Are they ringing twice a day most days?

Are you keeping a record of the calls - date, time, agent's name?