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    • Standard form being sent to large numbers of claimants. Just answer as the form asks.  No need to  go into any detail, unless the forms asks for specific details of how health impacts on daily activities. If you are worried contact Citizens Advice as they are experts with PIP, as they are trained to understand what evidence is required for assessments.
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Just Recieved A Signed Capital One Agreement


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That's terrible treatment - especially when it's over something they're not legally entitled to see!

 

I really was lucky then I think. The only ones I had major issues with were Co-Op, who flat refused to accept my pro-rata offer. On under a grand they wanted £10 a month (to put that into perspective, on nearly 15K Lloyds accepted under £25 a month), and they were still charging .5% interest! They were the only ones to do this. Ethical bank my bum.

 

Of course since then Cap1 have become right pains in the ar*e, what with the eradication of the plan I was on, to a new 'long term plan' that necessatates(sp?) a Default, and becoming rather irksome after a simple CCA request:rolleyes:

 

I hope you have more luck with them from now on!

 

Lexis:)

Time flies like an arrow...

Fruit flies like a banana.

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Has anybody got Capital One to lay off at all???

 

 

I'd like to know that - but then I never look in the 'won' list, so that may be the answer:D

 

Lexis:)

 

Willtheywontthey asked the question above. Yes, davey77 took Capital One to court and Won.

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/171391-davey77-capital-one.html

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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

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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 got rid of CrapOne. I didn't write to them after they sent me an application form. At the same time people did write and I watched their accounts got to Debitars, other DCAs and lawyers. What people have never understood about CrapOne is that if you don't contact them they are so disorganised and out of their depth, they don't know what to do next. Nine months later they sent me an unlawful Default Notice (like their agreements, they wouldn't know a Default Notice if they saw one) and terminated the agreement. In doing so they shot themselves right in the foot. They had no agreement anyway but if they were going to argue that what they had sent was an agreement, they couldn't take any action because they had terminated the account without a Default Notice. I pointed this out to them and haven't heard from since. The less you say to banks/DCAs the better - let them come to you and make mistakes. I see posters saying "What will I say to them now? What do I write? They haven't been in touch what do I do?" - the answer is nothing. Only reply to them - less is best in fighting a bank/DCA. I had 12 creditors - and I haven't got one left.

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Oh well am starting to take pinkys and others advice now and leaving them alone at moment!My motto with crap one is at moment if they leave me alone i will leave them alone!but at least there are some lovely letters i can fire of if they do start to bully me again!

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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Oh well am starting to take pinkys and others advice now and leaving them alone at moment!My motto with crap one is at moment if they leave me alone i will leave them alone!but at least there are some lovely letters i can fire of if they do start to bully me again!

 

That's the spirit:lol: Sometimes, less is more:)

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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Yes, I got rid of CrapOne. I didn't write to them after they sent me an application form. At the same time people did write and I watched their accounts got to Debitars, other DCAs and lawyers. What people have never understood about CrapOne is that if you don't contact them they are so disorganised and out of their depth, they don't know what to do next. Nine months later they sent me an unlawful Default Notice (like their agreements, they wouldn't know a Default Notice if they saw one) and terminated the agreement. In doing so they shot themselves right in the foot. They had no agreement anyway but if they were going to argue that what they had sent was an agreement, they couldn't take any action because they had terminated the account without a Default Notice. I pointed this out to them and haven't heard from since. The less you say to banks/DCAs the better - let them come to you and make mistakes. I see posters saying "What will I say to them now? What do I write? They haven't been in touch what do I do?" - the answer is nothing. Only reply to them - less is best in fighting a bank/DCA. I had 12 creditors - and I haven't got one left.

 

Have they written them off or just gone quiet?

Time flies like an arrow...

Fruit flies like a banana.

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That's the spirit:lol: Sometimes, less is more:)

Hi CiizenB!

Yes i am frightenend of wearing out my printer! LOL and definitly getting on first name terms with all the post office staff!

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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I don't know and it's academic to me really because they cannot pursue payment - I haven't heard from them for over a year so it's probably written off by this time.

 

But surely unless you have closure on it in one way or another they can still add defaults to your credit record, or start on the DCA track again? So, if they decide after 5 years that they're hacked off, they can stick a D on with the CRAs and you end up having to go through court to have it removed; or start DCA after DCA trying to reclaim (as we all know they don't exactly pass on prior details telling them there's no point!)?

 

Sorry, not having a go at all, just trying to understand. Everyone has their own way of doing it, and I just want to know if it's better to be in the dark and have it hanging over you until it's statute barred (even though you'll probably be fine), or to have the initial hassle (which is a lot, and over probably 18 months) but get rid of it once and for all?

 

Seems like 6 of 1 and half a dozen of the other really:rolleyes:

 

Why can't they just do the right thing and give in gracefully when they're stymied?? It would just make everything so much easier for everyone!

 

Lexis:)

Time flies like an arrow...

Fruit flies like a banana.

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But surely unless you have closure on it in one way or another they can still add defaults to your credit record, or start on the DCA track again? So, if they decide after 5 years that they're hacked off, they can stick a D on with the CRAs and you end up having to go through court to have it removed; or start DCA after DCA trying to reclaim (as we all know they don't exactly pass on prior details telling them there's no point!)?

 

Sorry, not having a go at all, just trying to understand. Everyone has their own way of doing it, and I just want to know if it's better to be in the dark and have it hanging over you until it's statute barred (even though you'll probably be fine), or to have the initial hassle (which is a lot, and over probably 18 months) but get rid of it once and for all?

 

Seems like 6 of 1 and half a dozen of the other really:rolleyes:

 

Why can't they just do the right thing and give in gracefully when they're stymied?? It would just make everything so much easier for everyone!

 

Lexis:)

 

I agree with you, lexis. I would be nice for it to be over and done with. But the likes of Capital One are not going to admit to being in the wrong and just stop adding defaults with the CRA methinks. I rather suspect they are waiting for people to take THEM to court.

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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I agree with you, lexis. I would be nice for it to be over and done with. But the likes of Capital One are not going to admit to being in the wrong and just stop adding defaults with the CRA methinks. I rather suspect they are waiting for people to take THEM to court.

 

Hence why every letter from the lovely ms renshaw states they will DEFEND any action you propose to bring against them:mad::mad:

Edited by pmw1971
Word tombola in effect - put purpose instead of propose
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A debt cannot be defaulted twice. I'm not bothered about my credit reports as I don't need them. They can pass it on to DCAs if they like - that will be easily dealt with - as will any approach from them prior to the Statute Barred stage. I have had peace perfect peace for the last 18 months.

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A debt cannot be defaulted twice. I'm not bothered about my credit reports as I don't need them. They can pass it on to DCAs if they like - that will be easily dealt with - as will any approach from them prior to the Statute Barred stage. I have had peace perfect peace for the last 18 months.

Hi Pinky i agree with you there!

That is the best we can hope for at moment! As you say i am afraid we are all in for a long haul with these DCAs and no getting away from the fact that these disputes go on for years!

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 SF

 

Just looking in.

 

Glad to see you're still giving them some stick.:D:D

 

David

Hi David

Yes its my main hobby at moment! Though i think one day i am going to take root at this computer:eek: i never seem to leave it much these days!

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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Thought things were quiet for too long, True Call picked up a strange number over the weekend, just did a search & it turns out to be Capquest.

 

Crap 1 account been in dispute since last year so here we go again by the look of things, looks like crap1 have finally sold it on even while in dispute

 

Beachy

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Oh well with true call if u reject the call u can tell them to write to u from what i have heard.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Thought things were quiet for too long, True Call picked up a strange number over the weekend, just did a search & it turns out to be Capquest.

 

Crap 1 account been in dispute since last year so here we go again by the look of things, looks like crap1 have finally sold it on even while in dispute

 

Beachy

Hi Beachy

You thought you would have received a notice of assignement.I suppose they will write to you soon,will you be sending them the astonded letter?

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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Oh well with true call if u reject the call u can tell them to write to u from what i have heard.

 

Hi Godmother,

 

Yeah, great doing the weekly call log from the True Call, although Capone have been quiet since before Xmas & capquest just starting to make calls it's great knowing calls from the threatmonkeys calls (currently mercers) last a maximum of 9 seconds before getting the sod off message - now I'm in control!

 

Beachy

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Hi Beachy

You thought you would have received a notice of assignement.I suppose they will write to you soon,will you be sending them the astonded letter?[/quote

 

Hi Sunflower,

 

Can't wait for their threat-o-grams to pop through the letter box - have my bemused letter already (just need to date it!).

 

Beachy

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Hi Beachy

You thought you would have received a notice of assignement.I suppose they will write to you soon,will you be sending them the astonded letter?[/quote

 

Hi Sunflower,

 

Can't wait for their threat-o-grams to pop through the letter box - have my bemused letter already (just need to date it!).

 

Beachy

Good on you Beachy!:D:D:D

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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Hii Beachy!

I suppose you will get the famous Emma from Capquest!I heard she loves screaming down the phone at people!:rolleyes:

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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