Just Recieved A Signed Capital One Agreement

[angry cat]

...pinned right up against the wall."

 

Yes, that is the way to do it:)

[Laura Cooke]

They`ve eventually wrote about sending me somepne elses sars in the middle of mine then said it was a error to send 1 letter belonging someone else it wasn`t 1 letter!!! guess work on their part bet they have no idea what they have sent me but said that these things happen and said that they haven`t equally sent my sars to this other person said they hope I accept their explanation beggars belief doesn`t it

Edited May 2, 2010 by Laura Cooke

[Pinky69]

That is a gross breach of the Data Protection Act and they can get a big fat fine for that. Make a complaint to the Information Commissioner - you will get the form you have to use on their website - and send the evidence.

[AA99]

They sent me someone else's details too and I reported them to the ICO for DPA breach and their response was similar to "We will remind them of their DPA duties/smack on the hand":eek:

[Laura Cooke]

They sent me someone else's details too and I reported them to the ICO for DPA breach and their response was similar to "We will remind them of their DPA duties/smack on the hand":eek:

 

 

Not at all suprised at the "So what" response off the ICO all these goverment regulators work hand in glove with each other they forget the are supposed to be looking after the consumers and not the creditors!!! same old story and a complete waste of tax payers money these regulators being set up in the first place to basically do bugger all:mad:

[angry cat]

Please bear in mind that these firms do not like being ticked off by the ICO and;

their actions are logged onto the ICO stats...

Edited May 2, 2010 by angry cat
spelling

[Pinky69]

The ICO now has new powers to fine firms for breaches of the DPA up to £500,000. They recently gave both Ruthbridge and Hillesden Hell for searching my credit reports and Hillesden has been in plenty of trouble with them before. It is reported to the OFT and one sweet day a big player is going down - it isn't that far off. Yes, more could be done, but nothing will be done at all if we don't complain and the regulatary authorities aren't the only ones who just sit on their bumbeleerees and let them away with it.

[Laura Cooke]

And what happens to HMRC they above the law as I understand it their data controller is exempt from action all offices should be dealt with the government ones should not be any different

[colin21958]

Hi,

 

Could someone please take a look at my thread; I would value some opinions on my "agreement" which I am certain has been fabricated (even though they have stated that it is a scanned copy of the original agreement). It is here:

 

http://www.consumeractiongroup.co.uk/forum/capital-one/257494-help-required-capital-one.html#post2910313

 

Thanks.

 

Colin

[Drederick Tatum]

Subbing since I've received the same excuse for a CCA in page 1!

[zonie]

I have got that fedup with DCA thinking the law does not apply to them i now bill them for calling me ect

[zonie]

Xx

Xx

Xx

xx

 

06th June 2008

Capital One Services Inc

Trent House

Station Street

Nottingham

NG2 3HX

 

CC: - Debitas Legal Services (trading name of capital one)

 

ACCOUNT NUMBER:

 

OFFICIAL COMPLAINT OF Harassment

 

 

Dear Sirs or Madam,

 

I am writing in relation to the Harassment from letters and Telephone calls from Debitas Legal Services ( trading name of Capital One Bank ).

 

•To this date on the letter I have received over 23 phone calls from Debitas Legal Services(trading name of Capital One Bank ), but I have verbal asked them over five times now to stop telephoning and requested communication in writing only.

 

Below I have listed parts of the letter that I deem to be harassment.

 

•All your letters keep stating to phone Debitas Legal Services(trading name of Capital One Bank ) when I have stated that I wish no contact via phone on five different phone calls from your company.

•Debitas Legal Services(trading name of Capital One Bank ) have stated in one letter that one of your agents will be calling at my home within the next seven days this was untrue and designed to panic and upset people and I deem this to be Harassment

 

 

 

I am of the view that Debitas Legal Services and Capital one continued harassment is in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.I have enclosed a invoice for the sum of £1,250 for the Harassment by Debitas Legal Services to date.

 

I will take legal action against Debitas Legal Services and Capital one if the Harassment continues

 

 

 

 

Yours faithfully,

 

 

xxxx

Edited June 16, 2010 by zonie

[keefyboy]

Blimey I will wait to see the reply to that one, and maybe this is a new tatic we could use on them, send them an invoice everytime they call or write, then threaten them back with doorstep calls or Legal Proceedings....:roll:

[zonie]

keefyboy some of the replies are funny,but on a serious note

if you send a letter to stop calling and they do not stop a charge the £50 per text message or call

 

if any letters are misleading ect ect thats £100 per letter

 

i use there own letters and calls against them

i update the invoice if needed when replying to a letter to keep it current and add 8% per month if they do not pay.

and If i goes to court the invoice can be used in a counter claim or it is possible to take a DCA to court and even cca against a DCA and its also possible too ask a court for a INSOLVENCY ORDER AGAINST a DCA at the end of the day its just a business.

[sunflower99]

Xx

Xx

Xx

xx

 

06th June 2008

Capital One Services Inc

Trent House

Station Street

Nottingham

NG2 3HX

 

CC: - Debitas Legal Services (trading name of capital one)

 

ACCOUNT NUMBER:

 

OFFICIAL COMPLAINT OF Harassment

 

 

Dear Sirs or Madam,

 

I am writing in relation to the Harassment from letters and Telephone calls from Debitas Legal Services ( trading name of Capital One Bank ).

 

•To this date on the letter I have received over 23 phone calls from Debitas Legal Services(trading name of Capital One Bank ), but I have verbal asked them over five times now to stop telephoning and requested communication in writing only.

 

Below I have listed parts of the letter that I deem to be harassment.

 

•All your letters keep stating to phone Debitas Legal Services(trading name of Capital One Bank ) when I have stated that I wish no contact via phone on five different phone calls from your company.

•Debitas Legal Services(trading name of Capital One Bank ) have stated in one letter that one of your agents will be calling at my home within the next seven days this was untrue and designed to panic and upset people and I deem this to be Harassment

 

 

 

I am of the view that Debitas Legal Services and Capital one continued harassment is in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.I have enclosed a invoice for the sum of £1,250 for the Harassment by Debitas Legal Services to date.

 

I will take legal action against Debitas Legal Services and Capital one if the Harassment continues

 

 

 

 

Yours faithfully,

 

 

xxxx

Lol! A great idea! Will be interesting to see crapital ones reply!

[sunflower99]

Subbing since I've received the same excuse for a CCA in page 1!

Welcome to the Cag Crapital fan club Drederick Tatum! I hope you find my thread useful and a help in fighting them off!

[lexis200]

Blimey I will wait to see the reply to that one, and maybe this is a new tatic we could use on them, send them an invoice everytime they call or write, then threaten them back with doorstep calls or Legal Proceedings....:roll:

 

I did exactly this with BOS. I gave them 2 days after receipt of my letter to ensure our number was taken off their system, and told them if we had calls after this date I would charge them at £5 a call, regardless of if I picked up or not (my version of 'valid even if not read by you')

 

After they carried on calling I duly sent an invoice for £40 odd, and they wrote back saying that as they had not signed a contract with OH (this was done on OH's behalf) allowing him to do this they did not need to pay. Funny that, seeing as he didn't sign a contract with them allowing them to request money from him either.

 

When I pointed this little gem out to them they went very quiet on the matter and the phone calls stopped:D

 

Peace and quiet - cost of a letter

Getting the bank to argue my point for me - priceless

[Poor-Credit Borrower]

Thank you for your letter, zonie, which I am sure could be used for other creditors apart from crapital one too. Lexis200, the tactic you used with the BOS also sounds extremely useful.

[cashins]

Lexis200, the tactic you used with the BOS also sounds extremely useful.

 

Agree with that - seems to have put a spoke in their wheel

 

David

[lexis200]

Have to be honest, it wasn't a tactic - I didn't expect them to be dense enough to use my argument as a reason for them not to pay!!

 

It's nice to have that letter as back-up though in case they do decide to be a bit dozy and take OH to court.

[Drederick Tatum]

I was getting calls from them, sent the harassment by telephone letter and they replied saying they have removed all of my numbers off their system.

[citizenB]

Gazza, I have started a thread of your own.. will send you a link in a few moments.