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Hi Beachy,

 

I've had a look at the car-repo thread. Summat stinks there for sure - maybe these people don't have an open auction and the cars are "sold" through a sham auction first at the cheap price but to a connected buyer.

 

The car would then be sold on at it's full market price later to offload the car properly.

 

Anyway, you're getting good help on that thread so I'll leave it at that for now.

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  • 3 weeks later...
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No news on my request for an appointment and reserved a space for the coach :D

 

However, as capone stated they are instructing crappywest to resume collection I have received a letter them stating that they are no longer dealing with the account and all account information has been returned to capone and their file on me is now closed. :cool::)

 

RESULT

 

(until the next one appears)

 

Beachy

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  • 4 weeks later...

Well it looks like my coach trip is off (sorry), although they've not refused I received a letter from them this morning along with 'a true copy of my agreement' together with pages of T&C's which are completely different to what they orginally sent me under my cca request - the original t&c's quoted £12 late/over limit fees, these latest one's they've sent quote £20 :???:

 

 

 

Cap1Sept.jpg

 

 

Cap12ndagree.jpg

 

I didnt write to this person for a true copy, I wrote to someone entirely different requesting that in order to resolve the dispute, I travel to Nottingham to view the original agreement at their offices

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Hi Beachy,

 

I didnt write to this person for a true copy, I wrote to someone entirely different requesting that in order to resolve the dispute, I travel to Nottingham to view the original agreement at their offices

Aw, come on now - they NEARLY got it right this time. :rolleyes::D

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Oooooh Beachy! we were so much looking forward to a day out in Nottingham! as me and OH dont get out though looks like we are going to get some our opprtunities to see our local court :eek:If you dont hear anymore from me after next week you will know ive been sent to prison! :eek:eeeeeeeeeeeeek

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Hi Beachy

Have you read the article on "Martins Money Saving Expert" about what the banks have been up to now ? and the best bit is the list that "Names & Shames" the banks and credit card companies with regards to refusing to deal with complaints... and good 'ol Capital One is way up the top of that list, I wonder if they have had a guilty consience......?

 

My whole lot has had to go on hold because of serious financial problems, and I'm like you with your other business having to put these to one side..... but I will continue, Cap1 get NO MONEY until they produce the original document now as I have three different docs now, which they have said is the ones I signed..... so let them take me to court, I have nothing left at the end of each month to pay anybody let alone cap1 or Lloyds TSB or anyone... see my threads for why.

 

I was looking forward to a coach outing as well.

 

KB

Keefy (:-)The "Moaner":rolleyes:)Boy

Prepared to take on anyone until I win...................

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:D Nice one Slick

 

At the moment I fear Mrs B more then Capone, should've picked up from town 45 minutes ago and its 20 minutes by car - settee tonight probably :eek:

 

Or the dog kennel :lol:

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I hope Mrs B forgave you Beachy! :)

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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so if what they have now sent you is different from what they originally sent you in response to s77/79 (and which they no doubt confirmed WAS a true copy), then they lied! unless you have two agreements

 

so, if the first copy was not a true copy then they have been in default of the CCA all this time so any charges added to your account and any enforcement action, bad credit references etc a]have all been unlawful!!

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Great you got forgiven Beachy!:)

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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  • 4 weeks later...

Hi all

 

Receved threats from capital one s driscle brothers FPC and demands and calls and told them politely to bug off as their client could not sent me the signed copy of cca and subject access report.

They said they are going back to crapone and let them deal with me.

any thought or advixce will be much appreciated

Hussy

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Hi all

 

Receved threats from capital one s driscle brothers FPC and demands and calls and told them politely to bug off as their client could not sent me the signed copy of cca and subject access report.

They said they are going back to crapone and let them deal with me.

any thought or advixce will be much appreciated

Hi Hussy

i would call that victory of sorts! :DThey given up on you and passing you back to crapone,I would wait and see what crapones next move is now you made it clear to them account in dispute:)

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Hi sunflower

Thank you for encouraging words.

almost exactly samething happend with MBNA .they threatend charging order through a legal firm and then reduced the debit to 3k from 9k if paid in 60 days as final settlement .

Told them cannot afford a penny today they have written me a letter offering all the interest frozen no further charges and set up standing order and pay the amount i wish to pay etc but the ccount will still be classed as default.

If they defaulting me anyway so what is the point of paying them?

any advice on this one will also be highly appreciated .

thanks

Hussy

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Hi sunflower

Thank you for encouraging words.

almost exactly samething happend with MBNA .they threatend charging order through a legal firm and then reduced the debit to 3k from 9k if paid in 60 days as final settlement .

Told them cannot afford a penny today they have written me a letter offering all the interest frozen no further charges and set up standing order and pay the amount i wish to pay etc but the ccount will still be classed as default.

If they defaulting me anyway so what is the point of paying them?

any advice on this one will also be highly appreciated .

thanks

Hi Hussy

I never been down that road of settlements or default removal with any DCAS as yet but be very wary of MBNA

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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If you come to any arrnagement with MBNA make sure it is a full and final and the fact that they not willing to remove default may mean it is not a full and final,If it is not a full and final the beggers may settle for something called a partial settlement which means that they will be able to pass on the remainder onto another pond feeder

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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so the crafty beggers may be telling you the truth that they will not chase you for rest of debt but what they do not tell you is that they will reserve right to sell rest of debt onto some other ****:mad:

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Sorry Beachy

we had better not turn this thread into an mbna thread! :eek:

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Hi Hussy to avoid hijacking Beachy crapital one thread perhaps we ought to carry on posts on my MBNA thread! if you post on my Restons/MBNA thread on http://www.consumeractiongroup.co.uk/forum/legal-issues/199523-restons-mbna-issued-court-27.html we could carry on discussion and help on there as being an MBNA thread it will be more appropriate!

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Sorry Beachy

we had better not turn this thread into an mbna thread! :eek:

 

although it is good to cross the T's and dot the i's- at the end of the day you will find that NO court will entertain a claim subsequent to a Full and final settlement of an account- no matter how many people they try to pass the debt onto

 

the courts know exactly what the phrase means

 

IMO it is best to use the phrase "in full and final settlement of all matters between us" when making/confirming a settlement

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  • 5 years later...

Its been so long and peaceful :-)

 

Was 'sold off' to Lowells mid 2014, I've had no contact with them despite constant emails and letters from them.

 

Two recent letters offered a 20% discount then a couple of weeks later 40% discount.

 

Things seem to have gone up a notch, just received a letter headed 'Pre-Legal Assessment' advising me it has escalated for legal assessment. I can stop it by phoning them and speaking to an account manager(fat chance).

 

Also warns me of the consequences of County Courts (I'm now retired and only income is state pension & in rented accommodation).

 

Feel I may now need to play letter tennis as a delaying tactic (they cannot provide anything different to what C1 have supplied).

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Hi Beachy,

 

 

Isn't this statute barred by now? I know this thread started over six years ago. When did you make the last payment?

 

 

Generally when they are offering big discounts it's because they know they haven't got a leg to stand on.

 

 

Anyway if it's not SB I can give you some ideas for your letter.

 

 

DD

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