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Account in dispute ?


katedog
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Quick question.

 

I am reclaiming unfair charges from capitol one.

 

I have sent then an account in dispute letter but they have replied telling me it's not in dispute.

 

They owe me twice as much as I owe them.

 

FOS are invsetigating.

 

Question is who decides if an account is in dispute? Is there an act and section I can quote to tell them it is disputed or is account in dispute leter enough?

 

They are also refusing to stop processing data.

 

What can I do about that?

 

PS. I know it's already on here somewhere but theres so much stuff I find it difficult to find what I'm looking for.

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simple answer is yes, you are disputing the balance on the a/c because of unfair charges, plus you have sent a letter detailing such.

 

there is a cap1 forum

 

might be an idea to outline your current status there and p'haps browse a few of the threads.

 

the more you read the stronger you become.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi, Katedog.

 

I've moved your thread to the Cap 1 Forum.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

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Quick question.

They are also refusing to stop processing data.

 

What can I do about that?

 

It probably wont do any good but you could quote this on the processing data bit.

 

 

I require you to immediately cease reporting the status of this account as behind on payments to all Credit Reference Agencies as per the Banking Code which states

 

 

"13.6 We may give information to Credit Reference Agencies about the personal debts you owe us if: the amount owned is not being disputed

 

As this account is the subject of an investigation by the FOS it is clearly in dispute and as such I expect the above instruction to be complied with.

 

Copy in the FOS so they can see crap1 are breaking the banking code as they can include that in the complaint.

 

S.

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