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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
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    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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Capital One card debt (CCA)


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Subbing, with interest.

 

Lexis, I notice someone else get corrected on this so if it's not too late you might want to make a small correction to your letter on Post 59, end of second paragraph....

 

"....is indeed a copy of both original sides of the original Agreement."

 

It was advised you include the word "executed" as in "...of the original executed agreement.

 

Good luck!

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Thanks MrMT - it was me that was corrected:D

 

Unfortunately I'd already sent this by the time that was pointed out, but did kick myself:D

 

Hope the thread helps

 

Lexis:D

Time flies like an arrow...

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did kick myself:D

 

 

 

Lexis:D

 

You bully:p:lol:

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 3 weeks later...
You bully:p:lol:

 

I know, I should report myself:D

 

I've just been having a look at the 'agreement' again (does everyone else do that - look at it every so often just to see if you've missed something? Please say it's not just me...), and I can't see a date anywhere - either from me or them.

 

Is this another issue for them?

 

I will get the scan done soon, promise. I'm going to get OH to show me how the sodding thing works so I don't have to wait for him to get his bum into gear in future! Before I met him I was great at programming stuff, now I just let him get on with it, which is very silly for when I need something doing:rolleyes:

 

Anyway, still no word from the lovely ER. I'm beginning to think she doesn't want to talk to me.

 

Lexis:)

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Fruit flies like a banana.

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Hi Lexis,

 

Ellie is on maternity leave!!! (Can't remember which thread that is on - probably Sunflower's.)

 

However, that is not stopping capone sending out letters signed by Ellie. :confused: No, I'm not really confused - anyone at capone can apparently send out letters signed by Ellie. :D

 

(If I were Ellie and on maternity leave I would be very worried about what was being sent out in my name because I would know very well what they get up to. :eek::eek::eek:)

 

DD

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Hi Lexis,

 

Ellie is on maternity leave!!! (Can't remember which thread that is on - probably Sunflower's.)

 

However, that is not stopping capone sending out letters signed by Ellie. :confused: No, I'm not really confused - anyone at capone can apparently send out letters signed by Ellie. :D

 

(If I were Ellie and on maternity leave I would be very worried about what was being sent out in my name because I would know very well what they get up to. :eek::eek::eek:)

 

DD

 

Jeez, poor kid! They're never going to get a straight answer to a question are they?:D

 

I wonder if he/she will actually see their mum, or if they'll have to leave answerphone messages too:D

Time flies like an arrow...

Fruit flies like a banana.

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Scene: Five years time, somewhere in Nottingham.

 

5-year-old Ellie to Mummy Ellie:

 

"Mum, do you know where my reading book is?"

 

Ellie: "No, but you can take this one in tomorrow. It's just like the one you brought home with you."

 

5yo Ellie: But Mum, it's not the same as the one the teacher gave me."

 

Ellie: That doesn't matter at all. Just tell the teacher it's almost the same."

 

5yo Ellie: But Mum, the book I brought home was about five horses, and this one is about four chimpanzees."

 

Ellie: "Well what is the problem with that? I'm sure your teacher won't notice, and if she does you just say "My Mummy knows all about this, and if she says the differences don't matter they don't."

 

Poor little Ellie.

 

DD

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Scene: Five years time, somewhere in Nottingham.

 

5-year-old Ellie to Mummy Ellie:

 

"Mum, do you know where my reading book is?"

 

Ellie: "No, but you can take this one in tomorrow. It's just like the one you brought home with you."

 

5yo Ellie: But Mum, it's not the same as the one the teacher gave me."

 

Ellie: That doesn't matter at all. Just tell the teacher it's almost the same."

 

5yo Ellie: But Mum, the book I brought home was about five horses, and this one is about four chimpanzees."

 

Ellie: "Well what is the problem with that? I'm sure your teacher won't notice, and if she does you just say "My Mummy knows all about this, and if she says the differences don't matter they don't."

 

Poor little Ellie.

 

DD

:D:D:D:D:D:D Priceless to coin a barclaycard phrase :D:D:D:D

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Scene: Five years time, somewhere in Nottingham.

 

5-year-old Ellie to Mummy Ellie:

 

"Mum, do you know where my reading book is?"

 

Ellie: "No, but you can take this one in tomorrow. It's just like the one you brought home with you."

 

5yo Ellie: But Mum, it's not the same as the one the teacher gave me."

 

Ellie: That doesn't matter at all. Just tell the teacher it's almost the same."

 

5yo Ellie: But Mum, the book I brought home was about five horses, and this one is about four chimpanzees."

 

Ellie: "Well what is the problem with that? I'm sure your teacher won't notice, and if she does you just say "My Mummy knows all about this, and if she says the differences don't matter they don't."

 

Poor little Ellie.

 

DD

 

Excellent:D

Time flies like an arrow...

Fruit flies like a banana.

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I know, I should report myself:D

 

I've just been having a look at the 'agreement' again (does everyone else do that - look at it every so often just to see if you've missed something? Please say it's not just me...), and I can't see a date anywhere - either from me or them.

 

Is this another issue for them?

 

I will get the scan done soon, promise. I'm going to get OH to show me how the sodding thing works so I don't have to wait for him to get his bum into gear in future! Before I met him I was great at programming stuff, now I just let him get on with it, which is very silly for when I need something doing:rolleyes:

 

Anyway, still no word from the lovely ER. I'm beginning to think she doesn't want to talk to me.

 

Lexis:)

 

 

Yes I do, Lexis, I am constantly reviewing the paperwork... especially the so called agreements where they have been supplied. I have a work sheet at the front of each file which I update with new information, almost like a draft defence and my arguments, should they ever get to court:cool:

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3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Yes I do, Lexis, I am constantly reviewing the paperwork... especially the so called agreements where they have been supplied. I have a work sheet at the front of each file which I update with new information, almost like a draft defence and my arguments, should they ever get to court:cool:

 

That is such a good idea! I work in organised chaos normally so this would really help. Actually the organised bit is a slight fib:D

 

edit- apparently I've given out too much rep in the last 24 hours so I can't blobby you, but I will be later as that idea will save me a ton of time searching through files!

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following this thread with attention as I'm going through exactly the same thing with Crap1.they've defaulted me because of a change of policy (they put me on their long term plan+automatic default) even though min payments are being made religiously via a debt management plan.So far very similar letters as yours (it's enforceable and we don't have to show you anything attitude!!!).Feel like going to court as it is for a very small amount (170£) what should I do ?

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That is such a good idea! I work in organised chaos normally so this would really help. Actually the organised bit is a slight fib:D

 

edit- apparently I've given out too much rep in the last 24 hours so I can't blobby you, but I will be later as that idea will save me a ton of time searching through files!

 

:D:D Lexis, that is precisely why I started the form at the front of the file !!. :D:D

 

following this thread with attention as I'm going through exactly the same thing with Crap1.they've defaulted me because of a change of policy (they put me on their long term plan+automatic default) even though min payments are being made religiously via a debt management plan.So far very similar letters as yours (it's enforceable and we don't have to show you anything attitude!!!).Feel like going to court as it is for a very small amount (170£) what should I do ?

 

Crew74, Cap1 never had a policy to change.. !. They automatically default you when paying anything less than the minimum payment. Have you requested a copy of the credit agreement ?

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I have an "updated" copy of a credit agreement but not the one I signed. I sent them a letter saying the account is unenforceable and stop processing my data, but they essentially replied they could not care less and that's their final position.

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I have an "updated" copy of a credit agreement but not the one I signed. I sent them a letter saying the account is unenforceable and stop processing my data, but they essentially replied they could not care less and that's their final position.

 

Yep, that sounds like the Capital One we know and love. Do you have your own Capital One thread, if so, let me have the link and I will post some information on there for you. :D

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/191254-help-capital-1-says.html

 

That's my thread!! Sure you're help would be helpful Citizen B.

Have also put Experian on notice to remove data I'm not sure they have a "legal right" to process data if you tell them not to as it would be hard to prove that this information is of public interest.

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  • 1 month later...

hello hello:)

 

A follow up for lovely ellie after her pointless response to my last letter. Not sure if Cap1 has a CEO or if it's a director/president etc - trying to find out at the mo but if anyone happens to know who the head bloke is please let me know!!

 

SUBJECT ACCESS REQUEST NON-COMPLIANCE

THIS IS NOT A NEW REQUEST FOR DATA

 

Dear Ms Renshaw

 

Your letter of the 30th April avoided nearly every question I raised. I require answers to them within the timescale shown below. As they are very simple this should not be an issue for you.

 

1) Is the Credit Agreement you have sent me a copy of both original sides of the original document I signed? I require a yes or no answer to this question. If you answer yes I will require sight of the agreement. I will cover my own costs in travelling to your offices in order to do this. If you do not answer this question I will be forced to contact Trading Standards, as among several other concerns I have, it would appear that the two pages sent within my SAR that supposedly comprise my original agreement seem to be two completely different documents.

 

I’m sure you understand the gravity of this, so I will re-iterate, I require a yes or no answer to the question, and I will require sight of the document if you claim it is two sides of the same original document signed by me.

 

 

2) You have completely ignored how you justify telling a lay person that a blank document constitutes a ‘clearly…valid and enforceable credit agreement’. This is a blatant attempt to mislead and I require an answer as to why you feel this is acceptable behaviour from a ‘responsible’ company

 

3) I still require all letters and memos (including any internal memos) sent/made prior to 2007. It is inconceivable that in the 3 years between opening my account and this date that not one letter or memo was created, so you have most definitely not sent everything required of you.

 

4) I still require all the ‘event purge’ and ‘history purge’ notes (seemingly all from 2008 onwards) that I was told would be arriving with me over two months ago.

 

My original Subject Access Request was made in December. This should all have been dealt with by you months ago. If you are not capable of ensuring all of the above questions are answered (something I strongly feel you are not if your previous responses are indicative) I require you to pass them on to someone who is.

 

Please also note that if I do not have a complete and reasoned response to each and every point raised, from either you or someone else who can address the issues, I will be contacting your CEO and placing a formal complaint about you personally as the ‘Executive Office Manager’ as your actions to date show that you are not fit to hold the position.

 

I look forward to your prompt written response, which I will expect within 14 days of receipt of this Recorded delivery letter.

  • Haha 1

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Just a quickie - does it matter that the agreement doesn't appear to be dated?

 

 

Its been a long day.. sorry, Lexis, I dont understand the question. Is it signed but not dated and who is it not signed by :confused:

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Go and grab yourself a glass of something lovely and have a sit down CB:)

 

I meant neither me or cap1 appear to have put a date anywhere on the form. I've signed it; I can't remember if they have or not but seeing as we all know that would only slow them down rather than stop them doing anything it's neither here nor there really.

 

Just seems odd that there's nothing on it to prove when it was signed?

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Fruit flies like a banana.

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:D That is really bizarre, Lexis. I would have thought if neither of you have signed it then that's it..

 

If this is a photocopy or microfiche of the original then they are not going to be able to add a date and pass if off as though it was signed because you now have proof that it wasnt. I like it.. I think :)

 

You arent going to sign it to make it right for them are you :rolleyes:

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Lexis, I dont know if either of these names will help. I googled "CEO, Capital One Bank Europe Ltd.

 

 

Srini Gopalan, head of Capital One in the UK, said: "The combination of our low 8.5% APR rate, no balance transfer fee and identity protection service makes this an attractive offer for consumers at a time when we are conscious the purchasing environment remains a difficult one".

 

Sanjiv Yajnik, Principal Managing Director of Capital One

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Right, we're getting confused:D

 

I did sign, but neither of us dated it as far as I can see. I wish I hadn't signed, but there you go:D

Time flies like an arrow...

Fruit flies like a banana.

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Ooh, thanks for that, I'll have a look.

 

BTW, why have you got a little plus sign by your name at the bottom of the thread? Is it because you're extra good at stuff?

Time flies like an arrow...

Fruit flies like a banana.

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