Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


carlit088

Capital One - Clearing Default

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4020 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi all,

 

After recently checking my credit report through Experian, I have a default notice from Capital One from an old credit card. As far as I was aware the card was paid off and I've certainly never used it again. However I did note that the default amount is far higher than the actual credit card limit agreed.

 

I would just like to confirm my course of action to resolve this default notice. I'm currently looking at sending a SARN based on the information from reading through this forum and taking it from there. When sending the SARN letter do I need to enclose money for the service as suggested on the Banks template?

Share this post


Link to post
Share on other sites

Hi there & welcome to CAG.

 

It may be worth checking with the other credit reference agencies (Equifax & Callcredit) as well as Experian. You'd think the information they all hold would be the same but it differs tremendously. You may even find that Crap1 have sold this debt to a debt collection agency who may or may not have made entries on one of your files (hence why checking out all three is useful)

 

The default balance you mentioned probably includes fees & penaltys.

As for the Subject Access Request fee, yes this needs to be included here too. A Section 78 (or s.78 as you'll see it written) request is cheaper than a full SAR (it's only £1). Although there is some discussion about how useful this route is, it's still popular with Caggers & Crap1 will have a shorter turn around time on it. From personal experience I'd thoroughly recommend reading threads from others who are further along the process to help inform you as move forward.

 

Good luck & keep us posted on your progress


"Evancosmo" is short for the evanescent cosmopolite.

 

THE TRUTH WILL SET YOU FREE :rolleyes:

 

1st Credit: CCA request sent

Cabot: failed to provide CCA - s.10 DPA letter sent

Capquest#1: failed to provide CCA - s.10 DPA letter sent

Capquest#2: failed to provide CCA - s.10 DPA letter sent

Abbey: on going

Equifax: "attributable data" CCJ removed - Aug 09

 

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...