Capital one - final response letter!!!

[1foxie]

Hi everyone, recieved this letter from Capital One today, after CCA Request lots of letters. Wondering what i should do next????

Edited April 27, 2009 by 1foxie

[1foxie]

Too small hang on will try again

[cerberusalert]

Here you go

 

 

Deleted because it contains ref no.

Edited April 27, 2009 by cerberusalert

[1foxie]

Deleted

Edited April 28, 2009 by 1foxie
Ref No

[1foxie]

Blimey.....thats big!!!!!

[cerberusalert]

Any chance of us seeing the CCA?

[mr.ton]

Report the arrogant fools to the OFT & trading standards for starters...

Did they actually provide you with a true copy or not?

Fact is they are powerless without going through the county courts 1st, regardless....

[1foxie]

All they sent was a 'Terms of your capital one credit card agreement', with my name and credit limit on it.

[cerberusalert]

Can you re-edit your letter in post #4 because it's showing your ref no.

[mr.ton]

Did what they sent you have your signature on it?

[1foxie]

Gladly, how do i do that?

[1foxie]

No signature, all computer written.

[cerberusalert]

Click the edit button in post #4 and delete the link. I've deleted the one on tinypic for you (post #1).

[mr.ton]

They have not supplied a true copy then & can go whistle in the wind quite frankly.

Report them to all the authorities like i said.

[mr.ton]

Get that ref number covered up asap as we have guests sniffing about

[angry cat]

No!

Capital One, this just wont do and spouting reg. 3 of the Consumer Credit (Cancellation Notices and Copy Documents) Regulations 1983 wont help either.

Reg. 7 is quite clear and makes reference to an Executed Agreement!

 

If you cannot supply a true executed copy of the original agreement, section 78(6) of the Consumer Credit Act 1974, applies.

 

Furthermore, STOP passing the buck to the FOS. You have received a legal request under the CPR's, comply, or shut up.

 

AC

Edited April 27, 2009 by angry cat
addition

[1foxie]

Hey, can anybody who knows how delete the links that have the ref no in, please do so. Thankyou, cant figure out how to do it..........

[the_shadow]

Hey, can anybody who knows how delete the links that have the ref no in, please do so. Thankyou, cant figure out how to do it..........

 

Click on the EDIT button on the bottom right of the posting you want to edit, then just click on the image and hit the delete key, it'll remove the reference from tinypic.

 

You'll then need to re-add a new scanned version without the ref #

 

S.

[GamekeeperToPoacher]

I feel that you ought to get a red pen, make the speeling and gtrammar errors and send it back!

 

What I received had none of my details on whatsoever and could have been the contents of the bin at the next desk.

 

I have written to Ellie pointing out that as I won't speak and she says she won't reply how on earth are we going to resolve the situation.

 

Oh and her threat monkeys call em from various numbers up to and including 5 times a day.

 

I read s.43 of Ferguson V BG Trading which relates to not having a named person to pin the case of harassment onto and guess whose name popped into mind.

 

 

GK

[1foxie]

cerberusalert...Thankyou for explaining, have deleted it now.

So anyway, on account of there being no CCA and Capital 1 giving me their last response on the matter, where do i go from here.....

[cerberusalert]

You still need to delete the in post #4

 

Just ignore them for now, otherwise you'll end up playing postal ping pong.

[meerkatsmimm]

I had the very same letter from Ellie, posted it up under my CAP 1 thread.

 

Same printed current agreement with T&C's - (also seperate T&C's on another flyer which they said were in relation to the 'agreement') wouldnt supply signature etc due to section 3 as in this instance.

 

Im CPR'ing them tomorrow, I just dont see how they can let a print off of a standard current blank agreement be all they need to enforce an agreement they say I signed 3-4 years ago.

[Huff&Puff]

Im CPR'ing them tomorrow, I just dont see how they can let a print off of a standard current blank agreement be all they need to enforce an agreement they say I signed 3-4 years ago.

 

They know darn well it isn't all they need to send. But being very, very thick, they have no conception of how more intelligent people think, and therefore suppose that nobody will ever question their idiotic and untruthful statements

[meerkatsmimm]

Its crazy though that in this day and age and with all the threats they make to ordinary uninformed people like ourselves (well before CAG Anyway!) that they are allowed to get away with the babbling and there is no one regulator who will draw a line in the sand and FORCE them to do things right.

 

Force them to treat people with repect and dignity

 

Force them to keep docs correctly

 

Force them to write the debt off if they do not or have not done this

 

Its called human rights and I think we all deserve the chances that these banks have had, these second, third and fourth chances that so many of them have had.

 

Sorry for the rant, but we arent bad people just because we are in debt. Thank God for CAG and the likes for being the light at the end of the dark tunnel.