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response to Capital One CCA


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Hi all i've been reading this forum with intrest as i am thinking aboot asking capital one for my cca as i lost my job couldn't pay and they defaulted me and passed it on to foc or whatever there called. While checking some paperwork tonight i found this letter that they sent me.

 

Dear Mr

 

Important information about your credit card agreement

 

please find enclosed a copy of your credit card agreement which was applicable when you opened your capital one account. we have sent this as the original copy which came with your credit card contained a printing error.

 

since opening your account, your credit card agreement may have changed and you will have recived a notice of variation setting out the details of the changes. if this is the case then the enclosed financial details are NOT your current terms

 

please accept our apologies for any confusion caused. if you have any questions please call us

 

i never received any other documents as my mrs keeps them all!! does anyone think i can challenge them on this. i never activated the card and only used it for a 0% balance transfer. i'm not really sure what i'm doing so any advice would be great.

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Guest Cartaphilus
"Printing error", could this refer to the elusive s23?.

 

Who knows with Capital One, I gave up trying to understand their letters a long while ago. :D

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If you are unhappy with the outcome of the queries that we raised on your behalf, then I suggest that you take up this matter with the Information Commissioner's Office.

 

Suggest you do just that. And keep pestering the ICO until you get a satisfactory response.

Mozzone

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Taking on the bloodsuckers

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