AA99 v Capital One

[AA99]

Hi beachy and DD:)

 

The other CapOne accounts with H L Legal :-|

[Old Cogger]

Hi beachy and DD:)

 

The other CapOne accounts with H L Legal :-|

 

Lower part of H.L letter no doubt says all correspondence to Capquest, template response, reverse I & m ???

[Curlyben]

HL specialise in bulk template letters for DCA's and are as meaningless as they come.

They wont be taking action in this or any other case, at all.

 

I;d be inclined to report them to the LCS for these tactics..

[AA99]

HL specialise in bulk template letters for DCA's and are as meaningless as they come.

They wont be taking action in this or any other case, at all.

 

I;d be inclined to report them to the LCS for these tactics..

 

Thanks to you all for subbing:) I realise they are just threats, especially while the account is under scrutiny from both the ICO and the FOS:eek:

 

I think they should still be reported! Is it CPUTR ? HELP Link please!!!!!!!!!!

[AA99]

My complaint to FOS was

 

1) No CCA

2) Telephone harassment

3) 5 different DCA's in 12 months

 

Reply received today from FOS Adjudicator:

 

CrapOne has acted in accordance with the Lending Code in regard to AA99's financial difficulties. (They say that I failed to provide an I&E)

 

CrapOne was within its rights to sell the debt on to a debt collection agency once the account fell into arrears.

 

CrapOne's charges & interest were applied in accordance with the t&c's of the account and were not illegal.

 

CrapOne is entitled to take action to recover the amount owed to it. Any recovery action may continue while the complaint is being considered.

 

The adjudicator finished by saying

 

AA99 is not prevented from asking the Judge to consider the validity of her credit agreement, should CrapOne seek to enforce the debt in court

 

[thrubolt]

Sorry for creeping in, but regards my dealings with F.O.S, they don't half suck up to the DCA'S, they make out they are for the people but in reality they are just a bunch of coniving **** wipes.

They tried to make out I was the bad one with vanquis, even though I provided proof of all my paperwork and had the gall to make a final decision when they admitted they were still waiting for more documents from me, the DCA wrote back and said that was the matter concluded, excuse me, but that is no way the end of the mattewr - do what I did and write to FOS and tell them what a bunch of T*****s they are, they are not the be all and end all in any way shape and form

[AA99]

3) 5 different DCA's in 12 months

And today's post makes it 6 DCA's in 12 months:evil:

[Mr Silver]

Hello AA99

 

I'm about to take action against Crap1 credit card robotic co.

 

Any tips?

 

By the way: I have started a thread entitled 'Mr Silver v Crap1' if you want to look at my action plan against Crap1!

 

Cheers!

 

Mr Silver

[AA99]

Hi Mr Silver:) I am quite flummaxed at the FOS response, they even advise me about getting taken to court even though it's been admitted that there's no CCA:confused: I offered them a decent repayment plan nearly 18 months ago now, their debt would have been paid off. They can try and sue me all they like for the rest of my life as far as I'm concerned, various DCA's are just a pain in the butt:)

 

I'll pop over and have a look at your thread:cool: