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judi5060

Judi vs Capital one

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Good Morning everybody

 

Just a quick question regarding Capital One.

 

I sent them a CCA request back in May which I received just within the 12+2 days. This consisted of a leaflet which was their terms and conditions and a double sided piece of paper with my name account no and how much I owe on it.

 

Yesterday I received a letter from Ellie Renshaw stated in no uncertain terms that on the leaflet was all the prescribed terms and conditions.

 

So my question is where should the prescribed terms be - on the leaflet or on something else. Ellie informed me in the letter that this is all I will be receiving and they will be pursuing the debt. By the way the DC who Capital one was using have now passed it back to capital one.

 

Thanks

 

Judi

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Guest Old_andrew2018

You could upload the agreement and ask for advice on enforceability

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Yes you need to post the agreement for some advice on how to proceed.

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Capital One doesn’t do enforceable.

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I suspect this is the usual response from crapone.. have you looked in the crapone forum to see if other people have had the same back..

 

Does it look like this>>> http://www.consumeractiongroup.co.uk/forum/capital-one/182605-mrs-p-cap-one.html#post1995888

 

S.


Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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Hi There S

 

There is no application form - nothing with my signature on whatso ever.

Just a leaftlet - a 2 page letter with my name a/c no. and outstanding amount and that is it.

 

Judi

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Hi There S

 

There is no application form - nothing with my signature on whatso ever.

Just a leaftlet - a 2 page letter with my name a/c no. and outstanding amount and that is it.

 

Judi

 

then whilst it probably satisfies s78, its not enforceable hence why the DCA's will just pass it back when challenged.

 

The prescribed terms must be in a form with your signature on, this can be on seperate pages but must be linked somehow. They cannot just be referred to as in "see leaflet xx for terms and conditions"

 

S.


Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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Hi.

 

When Ellie sent me the letter which I received earlier in the week she informed me that she must politely refer me ton the key financial information section on you credit agreement provided to you.

 

What would you advise I do now. It has already been passed to a debt collector and as soon as I mentioned the words CCA Request it went winging its way back to Capital One.

 

Thanks

 

Judi

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Hi.

 

When Ellie sent me the letter which I received earlier in the week she informed me that she must politely refer me ton the key financial information section on you credit agreement provided to you.

 

What would you advise I do now. It has already been passed to a debt collector and as soon as I mentioned the words CCA Request it went winging its way back to Capital One.

 

Thanks

 

Judi

 

If your happy for this to continue then I'm afraid its a case of carry on regardless... "they will.." Just keep batting away the DCA's with either the bemused letter or a s78 request as soon as they come a knocking.

 

Countdown to stat barred.

 

S.


Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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