Help with cap 1 please

[irishpoppy]

Hi my partner got a card online with cap one for £100. Anyway he now owes just under £500 due to charges, he has cleared the hundred pound at least twice, but because its all charges its never been paid off. Anyway on the 10th june he got a phone call from some rude woman saying if he didnt pay £70 immediatley his credit file would be defaulted by the 16th june. Anyway he rushed out to pay this leaving us short of money. I told him not to as they hadn't even issued a default notice and therefore couldn't default his credit file.

Then on 16th june he had a letter saying thanks for the payment, you must now pay £60 straight away, he also recieved a letter fom debitas telling him he has a default now on file.

A few days later a guy from cap one rang asking him to pay £60 immediatley, so my partner questioned him about the default hes recieved without getting a notice, and how the lady told him he wouldn't be defaulted if he paid the £70, so the guy said he would sort it and the default would be removed.

Then the next day after speaking with guy a letter arrived saying STATEMENT OF DEFAULT it was dated 26th june yet took a week to arrive with an outstanding balance of £500 and overdue amount of £60.

It also says your c.o. acc. is now officially in default, as of the 23/05/2 ?you have defaulted and you owe us £423.44. So god knows were thats from. Also that the account is terminated and they will notify credit agencies that he has defaulted. He has satements and wants to claim but wants to send a good letter to if he has a default.

They also have charged him for some ppi which wasnt selected, I know this because I did the online application. Anyway sorry to be so long but any advise where to go with this would be great.

[rory32]

Hi and welcome to CAG. I would start by reading the FAQ's - the process is the same for credit card charges as bank charges. Also have a read here to help you around the site. You may also wish to have a look in the PPI forum for reclaiming this as well. You will need to make the default removal a condition of the claim.

[deedee1310]

Hi irishpoppy.

 

Welcome to the Forum. I will back rory32 by saying that you should have a look at the links that he posted in his reply to you. It helps, so that you have a better understanding of the advice and help that other members will give you. When I first joined, I spent 4 days reading but I had lots to take in!

 

Cr*p One are tricky. I'm still awaiting the conclusion of my claim against them. You must however be determined to go all the way and take it to court if needs be, as they won't take you seriously until you do.

 

Read the FAQs and template letters and shout back here if there are things that you don't understand.

 

Best wishes and remember you are not alone!

 

deedee

[absycat]

hi im not sure where to post this and cant tell where to start a new thread but i will say im disabled so please make replys easy to understa for me thanks anyway i had a debt with capital one which got sold to capquest i am trying to reduce my debts so i thort id try n get over 700 worth of the charges at least reduced i sent a letter asking for cap 1 to send me my statements complete with the 10pound cheque however they have said they are not dealing with the account as it has been sold on however they cashed the cheque and i have no statements id like to no what i can do next capquest r aware im doing this i hope you can help also capquest kept tryin t get me t ring them to sort it out which i wouldnt as i dont handle fone conversations many thanks