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CAP.1 & CSL DCA CAP.CRAP. and MORE


travix
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Cap1 have now passed credit card account to Credit Solutions Ltd (CSL) who are phoning constantly. I have refused to go through security questions with them....explaining I will only communicate in writing to them. They are getting very very frustrated....i am polite and its killing them. They say they have sent me three letters already....ive only received one on Friday to which i replied to on Monday. I have already registered complaint with FOS but they say have backlog and will deal with it asap. Have heard though that FOS are deeming CAP1 to have complied with CCA if sent copy of current T&Cs.

Should I be pro-active and go for CPR 31.16 or just defend if/when they take me to court? What is best route to take?

Can they just CCJ me...is this when I send in my defence paperwork etc?

I am such a novice at this but am willing to listen and learn to anyone who can assist.

PLEASE HELPPPPPPPPPPPP

 

Thanks

 

Travix

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Any court action is a long way off yet & besides Crap1 have to provide an enforceable CCA first. Even if it was to go that far you would have plenty of time to submit a defence, and it is very doubtful that it would be Crap1 anyway...they tend to sell debts on to a DCA. Honestly don't worry about that yet, in any case you'll get all the help and advice you need on here. ;)

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Hi Cerberusalert,

The DCA have already contacted me....it is Credit Solutions Limited (CSL). They are the ones who keep calling me time and time again. They say they have written to me 3 times but i have only ever received 1 letter from them on Friday.....i replied to this on Monday so they should certainly have received it by now. I stated a few legal Acts and suggested they return the debt to Cap1 because it is now seriously in dispute.

Thanks for your support....made me feel better knowing im not alone in my fight against Cap1 / CSL and the dreaded Ellie Renshaw!!!

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Have Crap1 sent you a Default Notice, Notice of Termination & Notice of Assignment?

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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Default notice...yes

Notice of Termination & Notice of Assignment...not sure, will check if they have but do not recall seeing these things.

If they haven't done this, have they messed up? lol

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Can you scan the default notice, remove personal details & post it up? ;)

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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I am at work at the moment and do not have any paperwork with me. I will check my files tonight and scan things found tomorrow.

 

Thank you ;)

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