Jump to content


  • Tweets

  • Posts

    • Hi, I've been reading the invaluable advice on this forum and reading about the problems with Evri and lost delivery of items.  From what I gather the initial steps after having exhausted every's own lost item claim process is to draft a Letter of Claim, I think it is called and to register with the government Money Claims.  I have got a login for Money Claims and have made an initial stab at the letter but I'm not certain I have got it right. Am I right to assume that having exhausted Evri customer service's claims process and having received the denial of any compensation because the laptop I was sending is on the non-compensatory list that my next step would be to send the Letter of Claim to them? Let me provide some basic details which I hopefully have addressed in the letter. I purchased a laptop through Amazon.co.uk which a business in Belfast sold refurbished laptops through.  They had a 30 day money back guarantee for a full refund if you have any issues with the laptop.  I have the invoice from Amazon showing the purchase.  On 27 April, 2024 before the end of the 30 day period I used their ParcelShop (inside a Tesco) to send the laptop back and have the tracking reference mentioned in the letter.  As mentioned in the letter there was they advised they could not give me or sell me any insurance because laptops are on the non-compensatory list so I just paid the normal delivery cost.  It was scanned as leaving the ParcelShop on 29 April and the tracking has been like that ever since.  After a 28 working day Evri claim process they gave the expected response that they could not provide any compensation and simply could not proceed with my claim. I was hoping to get some advice on whether I go ahead now and email this to Customer Services straightaway and should I send a hard-copy to the Evri address as well?  Or are there any steps I have missed out on first?  I believe 14 days is the reasonable period of time for them to respond so if I were to send it tomorrow, for example 12 June then I should expect a reply by 26 June, is that correct and fair?  And assuming they don't reply with a full refund then I would then go down the government Money Claims site to proceed with that? Sorry for all the questions, I want to make sure I go about it properly.  I'll continue to read through other cases on here so I can get an even better handle on the process. I attached a LOC, happy for any edits or updates that will make it even better. Thanks so much for anyone's help! Regards, Matt Evri letter of claim.docx
    • The date was 3 June. Get on MCOL now. The legal principle is that, even if you defence is late, if the other party hasn't requested judgement, then your defence takes priority and is accepted. You might be in time. When I say now I mean now.  Recently we had someone who was nine days' late and this was pointed out to them at 5:30pm.  They faffed around till 11pm.  When they went on MCOl they saw that judgement had been entered at 7pm. Every minute is vital. File the below standard defence if you still can - 1.  The Defendant is the recorded keeper of [motor vehicle]. 2.  It is denied that the Defendant entered into a contract with the Claimant. 3.  As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance.  The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner.  Accordingly, it is denied that the Claimant has authority to bring this claim.    4.  In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5.  The Claimant is attempting double recovery by adding an additional sum not included in the original offer.  6.  The Particulars of Claim is denied in its entirety.  It is denied that the Claimant is entitled to the relief claimed or any relief at all.
    • Hi friends,  I’m a bit worried I may have got confused with timings here. I thought I had 33 days from my acknowledgment to submit a defence but the date added above says 3/6/24.   have I missed the date?   if so how can I apply for an exception due to my disability and problems with deadlines and dates etc (ADHD)?   what should I submit as a defence?   I’ve had no reply from BW so far    just been back on MCOL and it says 28 days from service if I completed an acknowledgment of service so does that mean 28 days from that of acknowledgement (I.e. 16/5) which would make deadline for defence 14/6?   Thanks! Panicking here.
    • Normally we don't advise playing your cards early in a snotty letter, but as you have appealed we might as well use what you wrote in the appeal against them. There is no rush, you have until 6 July to get it to them.  See what the other regulars think too. How about something like this? -   Dear Rachael & Sean, cheers for your Letter of Claim.  I rolled around on the floor in laughter at the idea you'd actually thought I'd take such tripe seriously and would cough up! As usual you'll have been too bone idle to do any due diligence.  Had you done so you would have seen that I appealed to your client.  Indeed the driver on the day is a textbook example of having done exactly what you should do when you do not wish to be bound by the T&Cs in a private car park. Of course none of that mattered to the spivs you represent but do you really want to put such a useless case in front of a judge? To be fair, your clients are very useful members of the human race - as comedians.  How I loved the page turner of their antics at The Citrus Building in Bournemouth.  It was chuckle after chuckle reading about them, letter after letter, month after month, insisting they were legally in the right, even through someone who had done just the first day of a GCSE law course could have told them they weren't.  Until the denouement - BOOM - an absolute hammering in court.  In fact - SLAM, BANG - managing to lose twice against the same motorist for the same car park in front of two different judges. Your client can either drop their foolishness now or get yet another tolchocking* in court where I will go for an unreasonable costs order under CPR 27.14(2)(g) and spend the dosh on a nice summer holiday, while every day laughing at your clients' expense. I look forward to your deafening silence. COPIED TO COUNTRYWIDE PARKING MANAGEMENT LTD   *  This word is used under licence from Brassnecked
    • Well yes, ... and the tax dodgers ... Trump May Owe $100 Million From Double-Dip Tax Breaks, Audit Shows A previously unknown focus of an I.R.S. audit is a dubious accounting maneuver that effectively meant taking the same write-offs twice on a Chicago skyscraper. nytimes.com WWW.NYTIMES.COM  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

OHs CAP ONEcard - Can i complain re no cca response/acknowledgement?


mysticpols06
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4730 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Evening all,

 

CCA'd cap one 7/11/08

Letter dated 13/11 08 not received til (25/11/08) stating:

" You requested copies of the executed credit agreement and a statement of your acc under S78 of the CCA'74. Please find enclosed a copy of the current T&C's of your agreement, in compliance with S78. You requested a copy of the default notice we issued on your account. Under S78 we are not required to provide a copy of the default notice and statement of default. However we can confirm that a statement of default was issued on 1st Sept 08.

The status of your acc as at the date of this letter is currently defaulted.

Your current outstanding balance is xxxxx. As you're on a payment plan the next payment due to your acc is xxxx. This needs to reach your acc by 17/12/08. If you need further assistance contact blah blah yada blah.I trust this will help with your enquiries."

(enclosed was the following)

"Terms of your cap one cr'cd agreement. Thankyou for your recent request. Please see overleaf for the current Terms of your agreement with us. For the rest of your t&c's please see the leaflet encl. Etc etc"

(Overleaf was blank copy of agreement & tri-fold leaflet was also enclosed).

 

Basically i did not acknowledge this letter as it is almost identical to others that i have seen posted on here in different threads so i wanted to see if they came up with anything else in the timeframe etc but I DID pay the usual payment on the 28/11/08 (maybe i shouldn't had bothered).

Nothing else received until today when CABOT (hohum) send their usual bumph stating "welcome to cabot - recently bought your cap one acc etc etc - all payments & queries to us - you currently owe (more than stated in last letter from o/c) contact us etc!"

With that is a 'cap one letterhead' stating acc sold to cabot on 25/11/08 etc etc signed (apparently) by Michael Woodburn.

 

Ok - Thanks for your patience peeps - my question is basically what do i do next in your opinions? I could ignore cabot but that would result in calls etc & harrassment as i have had from them with other debts (they currently have one of mine & one of hubbys accs on hold ;)), or do i send acc in dis to them or even to cap one?

 

As a byword - Cap one have yet to repond at all to hubbys cca request sent exactly same day etc!

 

Many thanks as always,

 

Mpols x

'Confidence grows & heartbeat slows to a steady stronger beat, as each member unites, against DCA fights & we all sail aboard the CAG fleet!' :rolleyes:

:pKeep smiling peeps!

Link to post
Share on other sites

  • Replies 171
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

They have obviously sold the debt to Cabot as they realise they don't have a CCA. You need to write back to Cabot and either send them a CCA request or send them the account in dispute letter:

 

Here is an old one from Curlyben which is more or less what you need to say:

 

Dear Sir/Madam

Thank you for your letter of xx/xx/xx, the contents of which have been noted.

May I draw you attention to my letter of XX/xx/xx in which I clearly out lined my position concerning this matter. I enclose a copy for your perusal and ease of reference.

**CREDITOR** has failed in my lawful request under the Consumer Credit Act 1974 section 78(1) and subsequent Statutory Instruments.

I formally advise you that since **CREDITOR** has failed to comply with the terms of the Consumer Credit Act that as from **DATE** they are in legal default on this alleged agreement. This default means that the alleged agreement from this date is totally unenforceable. **CREDITOR** may not apply any charges, cannot issue defaults, cannot sell or assign the alleged debt or cannot invoke any clause within the alleged agreement.

Furthermore you should be aware that a creditor is not permitted to take ANY Action against an account whilst it remains in dispute.

The lack of a credit agreement is a very clear dispute and as such the following applies.

* may not demand any payment on the account, nor am I obliged to offer any payment to you.

* may not add further interest or any charges to the account.

* may not pass the account to a third party.

* may not register any information in respect of the account with any credit reference agency.

* may not issue a default notice related to the account.

Therefore this account has become unenforceable at law.

As **CREDITOR** have Failed to comply with a lawful request for a true, signed copy of the said agreement and other relevant documents mentioned in it, Failed to send a full statement of the account and Failed to provide any of the documentation requested.

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

The mere fact that they have passed this account to you while it is in dispute and default is also in breach of the Data Protection Act 1998.

After taking advice, I am of the opinion that your continued pursuit is in violation of the Administration of Justice Act 1970 section 40 as well as breaching a number of the OFT Collection Guidelines.

I reserve the right to report your actions to any such regulatory authorities as I see fit.

You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint.

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you would prefer to do this than merely respond with standard letters and leaflets.

I would appreciate your due diligence in this matter.

I await your rapid response.

Yours Faithfully,

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

Link to post
Share on other sites

Send Cabot the following via recorded delivery

ACCOUNT IN DISPUTE

Dear Sir or Madam,

Account number: XXXX XXXX XXXX XXXX

 

I must admit that I am rather bemused as to why this account has been passed to yourselves, as it is in dispute with the **original creditor/DCA** and has been since DATE.

Not only is this a breach of OFT collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998

 

As **original creditor** are now in default of my Consumer Credit Act request, OFT Collection Guidelines, and have also breached s10 Data Protection Act request , I consider this account to be in SERIOUS DISPUTE.

 

As you are aware while my Consumer Credit Act request remains in default enforcement action is NOT permitted, under s127 this constitutes a complete defence at law.

 

Now I would respectfully suggest that this account is returned to the **original creditor** for resolution of these defaults and breaches, as **DCA** cannot lawfully pursue any enforcement activities.

 

If **DCA** chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action.

 

After taking advice, I am of the opinion that any continued pursuit is in violation of the Administration of Justice Act 1970 section 40 as well as breaching a number of the OFT Collection Guidelines

 

I hope that this will not be necessary and an acceptable solution can be accomplished.

 

I would appreciate your due diligence in this matter.

 

I look forward to hearing from you in writing.

 

Yours faithfully

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.

Link to post
Share on other sites

Hi Goldlady, Thanks for prompt reply & template - is kinda what i thought as well re no cca! Will get this printed up ready for cab' only thing i'm not sure of is the date in which they fall in to legal default? :confused: Is it after the 12+2 days of cca request or is it another 30 days after that as i thought i had read somewhere that the extra 30 days had been scrapped now?

Sorry to be pain, but just want to get it right obviously!

Many thanks again

Mpols x

'Confidence grows & heartbeat slows to a steady stronger beat, as each member unites, against DCA fights & we all sail aboard the CAG fleet!' :rolleyes:

:pKeep smiling peeps!

Link to post
Share on other sites

After 12 full working days from receipt of your request they are in 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.

Link to post
Share on other sites

Hi Rory (again) :D Thanks for quick comment - i must have been posting mine at same time lol! Which template of the two is more appropriate please?

Thanks as always,

Mpols x

'Confidence grows & heartbeat slows to a steady stronger beat, as each member unites, against DCA fights & we all sail aboard the CAG fleet!' :rolleyes:

:pKeep smiling peeps!

Link to post
Share on other sites

Neither one is wrong - so just pick 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.

Link to post
Share on other sites

No disrespect Goldlady but hubby has voted for letter number 2 :p

Thanks for confiming dates also - is one of the things i tend to get confused with doh!

Mpols x

'Confidence grows & heartbeat slows to a steady stronger beat, as each member unites, against DCA fights & we all sail aboard the CAG fleet!' :rolleyes:

:pKeep smiling peeps!

Link to post
Share on other sites

ps Rory - am not allowed to tickle your scales again yet but will keep it in mind to do so! :D

'Confidence grows & heartbeat slows to a steady stronger beat, as each member unites, against DCA fights & we all sail aboard the CAG fleet!' :rolleyes:

:pKeep smiling peeps!

Link to post
Share on other sites

I agree - letter 2 gets my vote too:D

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

Link to post
Share on other sites

:p ha ha!

Ok - letter 2 edited & printed ready to go rec' del tommorrow. Lets see what happens next eh!

Thanks again, Goldlady & Rory for your swift support! Will post any response accordingly.:)

Mpols x

'Confidence grows & heartbeat slows to a steady stronger beat, as each member unites, against DCA fights & we all sail aboard the CAG fleet!' :rolleyes:

:pKeep smiling peeps!

Link to post
Share on other sites

I only wish I had a pound for every time that "bemused" letter has been sent to some two bob DCA who've got hold of an account which was passed on to them while in default of a CCA request.

 

If Curlyben had charged royalties, he could have paid off all the alleged debts of the entire forum by now!

 

Mpols,

 

Make sure you keep that letter on the fake Crap One letterhead. It is a fake notice of assignment. The fact that this alleged debt has not been properly assigned may come in useful one day.

 

Did you, as Crap One claim, get a default notice? If so, have you retained it?

 

SH

Link to post
Share on other sites

Evening SH - Am not 100% sure - have already planned to scoot through paperwork tommorrow once bairns in school/nursery :) - Had already presumed was fake letter of assignment so will def keep that (Have also got the ones Cab had sent us re' other Acc in other threads).

Thanks for advice.

Mpols x

'Confidence grows & heartbeat slows to a steady stronger beat, as each member unites, against DCA fights & we all sail aboard the CAG fleet!' :rolleyes:

:pKeep smiling peeps!

Link to post
Share on other sites

Hi SH, Had a 'notice of default' from them dated aug 30th because we opted to enter reduced payment plan with them rather than give up paying them at all, so i think it probably is a proper one - will type it up in ful though if you want to see the wording & terms etc, (no scanner so will have to type it this eve).

What amazes us tho' is that Hubby has exact same cr'card (obviously diff amount) with them & his acc has had EXACTLY the same treatment with correspondence & red' payments etc & His was cca'd the same day as mine too (7/11) but not even had an acknowledgement of his request let alone defaults or reassignment etc! I think i will adapt the letter Rory drafted for me in one of my other threads & add the whole acc in dis section, offering them £1 a month until they provide agreement or at least acknowledgement that they are looking etc...Hmmm....

On diff note, Cabot tried ringing me few times last couple days, but nothing last night so am assummin they have received the above letter! :D Fingers xed eh!

Thanks as always,

Mpols x

'Confidence grows & heartbeat slows to a steady stronger beat, as each member unites, against DCA fights & we all sail aboard the CAG fleet!' :rolleyes:

:pKeep smiling peeps!

Link to post
Share on other sites

Heylo Mpols

This looks like another interesting thread to look at.

 

Do you realise I'm now subscribed to all six of your active threads.

I'm starting to get an inferiority complex as I only have two:(:D

Mind you when Lowlifes sell on my unenforcable debt, I'll be able start another thread:D

 

take care.

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

Lmao! I'm more than willing to share some of mine fox if u want ha ha! I just thought it was easier for my addled brains if i started a new thread for each dca/cred that i am dealing with rather than trying to put em all the one thread and then getting confused etc! Happy days eh! Take care, Mpols x

'Confidence grows & heartbeat slows to a steady stronger beat, as each member unites, against DCA fights & we all sail aboard the CAG fleet!' :rolleyes:

:pKeep smiling peeps!

Link to post
Share on other sites

Evening peeps - Just a quickie to update that has been a week & no reponse so far! Is sooooo quiet...They don't call, they don't write.....:p

Hope every1 fine. Take care, Mpols x

'Confidence grows & heartbeat slows to a steady stronger beat, as each member unites, against DCA fights & we all sail aboard the CAG fleet!' :rolleyes:

:pKeep smiling peeps!

Link to post
Share on other sites

Hi Mpols,

Thought you pooter had blown up:D

I'm good, hope you are too.

I'm the same. Another week with no post from cabot. A bit boring but I can live with it. I just want to know one way or tother.

 

Glad to see you're still around.

 

fox x

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

  • 3 weeks later...

Good afternoon peeps, Had letter from Cabot in response to acc in dis whilst passed on. Reads :

"Cap one has confirmed that there is no dispute or complaint on the acc. You requested a copy of the terms and conds and copies of statements from them and these were sent to you in nov '08. As a result this acc will not be returned to cap one. We trust this clarifies the matter. If you have any queries, please call....."

 

Ok, Firstly i requested copy of agreement & the other paperwork due under the cca, not simply T & C's. When cap one replied they only encl current (blank) copy of T & c's for me. Then i sent Cabot the above acc in dis letter to get this reponse - Any ideas for the next step please? Should i ignore them until they decided to request payments etc or should i send them something else to argue the point or, even, should i send something else to Cap one. Thought about sending cap one note to say am going to complain now re' them passing on acc whilst in dis? hmmm.

Many thanks as always, Mpols x

'Confidence grows & heartbeat slows to a steady stronger beat, as each member unites, against DCA fights & we all sail aboard the CAG fleet!' :rolleyes:

:pKeep smiling peeps!

Link to post
Share on other sites

HI Mpols,

Not a good response is it,

I would be tempted to write to them telling them that as you never received a copy of your agreement, that you consider that the dispute is still valid.

There is another tack you could take:

 

Have a look at this thread.

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/173201-why-you-shouldnt-use.html

 

If they truly don't have a copy (as we all know they don't) it will totally scupper them.

 

hope you're otherwise well

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

Evening Fox (& fellow caggers :)) Hope every1 well? Thanks for prompt comment. Not sure which way to deal with this one yet....Will take couple days reading the link you sent & some other threads i think to get an idea of best option & see what else peeps advise on thread too. Hope you well as well :D Thanks as always, Mpols x

'Confidence grows & heartbeat slows to a steady stronger beat, as each member unites, against DCA fights & we all sail aboard the CAG fleet!' :rolleyes:

:pKeep smiling peeps!

Link to post
Share on other sites

As it's you who decides whether or not the account is in dispute Cap One's opinion is of little, if any, relevance in the matter.

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.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...