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sonic007
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Can you give us some more details?

 

How much are the charges and the outstanding balance?

 

Do you have a claim against Cap One for the charges?

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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hi there rory

 

yes did claim back charges from capital one but still owe a balance of 581.06 which capital one have not yet asked for but in the meantime Cabot have put a default notice on my credit file but dont own the debt?

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The default would simply be in the name of the company that were dealing with the account. So really it could be either Cap One or Cabot.

 

Have you asked for a copy of the credit agreement from Cap One?

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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yes sent the £1.00 fee which they returned and Capital one have said they have not been able to obtain the relevant information for my account? do you think this is why they havent contacted me for the remainder of the balance?

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Quite likely. Even if Cap One can find the agreement they are usually (for usually ready nearly always) completely unenforceable as they contain none of the prescribed terms.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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In all likelyhood the default would just change from being registered in Cabot's name to Cap One's.

 

Cap One don't like writing debts off but you can always try a little gentle persuasion. I would take a look in the default forum for strategies on how to remove the default.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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