Nancyspain v cap1

[nancyspain]

Received another letter today saying they were putting account on hold until they receive info from Cap1

[nancyspain]

Have received another letter from Lowell stating they bought the debt from Cap 1 & are entitled to collect.

 

 

In response to my CCA request they have sent me a photocopy that says Application Form

with my signature & several photocopies of terms & conditions.

 

 

they have also enclosed statements.

 

 

Now I thought this was already statute barred & is no longer on my credit file

 

 

but I have noticed a payment made July 2010 don't remember making this payment obviously a mistake on my part.

 

 

They are putting account on hold for 1 month until I contact them about payment.

 

 

Can anyone advise what I should do now?

[Old Cogger]

Find out about this payment i.e. how much how paid cheque/debit card and by whom (Phantom payments tend to occur on some peoples) like £10 SAR fee added to account as a payment or £1.00 CCA1974 fee added to account as a payment.,, in both cases that should not be don e and these people know it si=o if that is the case then SB it is but send prove it letter to them

 

others will no doubt comment,, could ring Crap 1 and as date of last payment, if you ahve not a=made any payment to DCAs etc after sold?

[citizenB]

Unless they can prove that it was a payment made by YOU, then I think you are safe.

 

As Mike has said, these phantom payments appear from time to time and are usually successfully challenged.

 

Does it not seem very odd that you haven't made payments for a couple of years before..make one payment and then nothing for another 4 years !

[nancyspain]

I just remembered about this payment it was made on line from an old Alliance & Leicester account (now Santander)

 

 

I was supposed to pay my daughters account but paid this by mistake.

 

 

I suppose this leaves me up the creek without a paddle:sad:

[stu007]

Hi nancyspain you really need to PDF the images

 

HOW TO upload DOCUMENTS / IMAGES ON CAGicon IMMEDIATELY YOU DO NOT NEED 10 POSTS

 

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DO NOT USE A BIRO, PEN, SEE THRU TAPE OR LABELS TO EDIT THE INFORMATION

 

1. SCAN YOUR DOCUMENT

 

- Set your default scan page size to A4 less than 300 DPI (150 will do)

- Scan the required letters/agreements/sheets - as a picture (jpg) file

- Don't forget you can use a mobile phone or a digital camera too!!

 

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- IPHONE ONLY: Take a picture and Convert to PDF via an APP

 

2. HOW TO EDIT (Remove Personal Information)

 

- Do this using MSPAINT.EXE or any Photo Editing program and ensure to save the document.

 

3. HOW TO CONVERT YOUR DOCUMENT TO PDF

 

- If you have OFFICE installed this has an installable PRINT to PDF option so use this and save as PDF.

- If you have PDF as an installed driver use this program and save as PDF.

 

OR Go to one of the many free online pdf converter websites:

 

- http://freejpgtopdf.com/

- http://www.convert-jpg-to-pdf.net/

- http://www.freepdfconvert.com/

- http://www.pdfmerge.com/

- http://www.primopdf.com/

 

PLEASE REMEMBER: It would be better to upload a Multi-page PDF rather than multiple Single PDFs.

 

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check the file size

 

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- You can click on your links to check them too!!

[nancyspain]

can someone check these please to see if this is enforceable

 

and this

[nancyspain]

Letter from Lowell today they are disappointed I haven't contacted them and urging me to contact them or they may blah blah blah. Any advice on what I should do now?

[nancyspain]

Another letter this week threatening 3rd party CCJ & bailiffs. Can anyone advised what's next?

[dx100uk]

3rd party ccj???

[nancyspain]

Yes they said they would send to 3rd party collection agency who may apply to county court for a judgement 7 if they are successful it could involve an EJO or bailiff calling to my home. I am in N Ireland do we have bailiffs here?

[dx100uk]

willy waving

as has been since 2009

 

 

pers I'd ignore then unless a claim is issued.

 

 

dx

[dx100uk]

they have offered a 70% discount in the past I wonder why

did you ever get all the statements?

 

 

dx

[nancyspain]

The only statements I received were copies of there own records. they were received with the CCA that I have posted in July 2015. Thank you for your help dx

[dx100uk]

sar time to the OC them ASAP

 

 

dx

[nancyspain]

Letter today offering to reduce debt by 30%. Is this CCA enforceable?

[dx100uk]

As post 62