Capital one CCA received, please help

[snagpuss]

In responsde to my cca request, fitst had a letter saying they were asiling Capotal One for it, now has a leter saying Capotal one say they have bno aggrement so Cabot say no enforcenent unleszs Capiotal one find the cca and then theywill chase agaim, is this good? Or is it likekly to appear,the cca I mean?

Edited August 8, 2009 by snagpuss

[PGH7447]

its good for now, keep the letter safe, crabot will no doubt try and pass it down the food chain.

 

however if they do produce then you are leable unless the agreement is rubbish and knowing crap1 that is highly likely

[snagpuss]

Lowells have just sent me my credit agreement for Capital One, i cant scan it im afriad so will try and explain whats in it

 

Firstly - a page stating Credit Agreement - please issue to to me a Capital one crdit card etc, goes on about fraud and CRA's

I ahve read the T&C's and if my application is accepted I agrree to be bound etc etc

 

I have signed and dated it, they have signed it and there is a little box saying your right to cancel/

 

2nd page - credit agreement regulated by CCA Act 1974 which has paragraphs on monthly statements, financial and related particluras inclduing examples of credit limits and APR's and another one saying Use of Iformation and a paragraph about "Your Rights and "Loss or Misuse of card"

 

Then, weirdly, I have got numereous typed sheets of A4 paper, that look they have just been typed up and could be anybodies, just [printed off a printer - not at all like the documents above, there are 9 pages and and are entitled Terms and Conditions, I DID NOT get these when I had the card. I could type them all up myself and they would look exactly the same, these pages include, Use of your information, issueing the card and credit card cheques, extra carholders, credit limit, personal identification number and password, using the card and credit card cheques, monthly payment, monthly statement, prepayment, finincial particulars, other charges and default charges, foreign trnsactions, optional CO PPI, default, lost or stolen cards and pin, notice and address, variation, closing your account, ending the agreement, general, definitions, governing law, finanical and related particulars

 

Please somebody help, where do I stand with this

[snagpuss]

Lowells have just sent me my credit agreement for Capital One, i cant scan it im afriad so will try and explain whats in it

 

Firstly - a page stating Credit Agreement - please issue to to me a Capital one crdit card etc, goes on about fraud and CRA's

I ahve read the T&C's and if my application is accepted I agrree to be bound etc etc

 

I have signed and dated it, they have signed it and there is a little box saying your right to cancel/

 

2nd page - credit agreement regulated by CCA Act 1974 which has paragraphs on monthly statements, financial and related particluras inclduing examples of credit limits and APR's and another one saying Use of Iformation and a paragraph about "Your Rights and "Loss or Misuse of card"

 

Then, weirdly, I have got numereous typed sheets of A4 paper, that look they have just been typed up and could be anybodies, just [printed off a printer - not at all like the documents above, there are 9 pages and and are entitled Terms and Conditions, I DID NOT get these when I had the card. I could type them all up myself and they would look exactly the same, these pages include, Use of your information, issueing the card and credit card cheques, extra carholders, credit limit, personal identification number and password, using the card and credit card cheques, monthly payment, monthly statement, prepayment, finincial particulars, other charges and default charges, foreign trnsactions, optional CO PPI, default, lost or stolen cards and pin, notice and address, variation, closing your account, ending the agreement, general, definitions, governing law, finanical and related particulars

 

Please somebody help, where do I stand with this Credit Report Click link to open in new window.

[PGH7447]

does it say application form

[snagpuss]

i applied on line, so the first page was pre-printed with my name and address, it states credit agreement at the top then further down it states

 

"if my application is accepted"

[maroondevo52]

Snagpuss,

 

When did you apply online ?

 

Regards.

 

Scott.

[snagpuss]

In 2005

[snagpuss]

im crying now, theyve hounded and hounded me till i just cant cope anymore

[maroondevo52]

Snagpuss,

 

Listen, they're deffo not worth crying over, that's the game they play.

 

Can you scan what they've sent you onto this thread.

 

Regards.

 

Scott.

Edited August 8, 2009 by maroondevo52

[snagpuss]

i cant, my printer/scanner is broken and i cant afford a new one, sorry

[babybear39]

The good news is that they still need a SIGNED CCA to enforce via the court

[snagpuss]

The good news is that they still need a SIGNED CCA to enforce via the court

 

 

But this is one, isn't it? I have signed it it, the first page has my name and address printed on it but I have signed and dated it and there is something like a signature in their box :?

[babybear39]

Oops, sorry missed that bit. That'll teach me to read things properly

[snagpuss]

i may be wromg but doesnt the document all have to be on one document instead of the lots that i've got, how can they say the second page relates to the first page where i have signed it or i understood it completely wrong, which is likely

[noomill060]

Does it give details of

 

1) interest rate

 

2) frequency of payments

 

Does it have a box where you agreed to PPI payment protection insurance?

[snagpuss]

the first page doesnt no, the second page which is copied doesnt give an exact credit limit, just examples, the second page also states about payments but there is no box either ticked or unticked for PPI

[harrassed senior]

Hi, first of all, don't waste your tears on them, they have no powers to do anything to you.

 

I am dealing with this load with regard to 4 Crap 1 accounts (2 are mine and 2 are my sister's) so I know how you feel, I let my sister open her letters, and look at her face then she hands them to me and I laugh and point out all the things that are incorrect or just plain lies they are spouting.

 

We have had the typed Terms and Conditions, which, as you say, relate to nothing so they can be disregarded.

 

Was an Agreement actually sent in the snail mail for you to sign and return? Or, did you just apply online, receive a letter and card to say your Application had been accepted?

[snagpuss]

 

 

yes i just applied online, then got this page to sign, it looks like this one which I've copied from another thread (hope Sunflower doesnt mind) then they sent me the card. Don't know how to make it bigger

[silverfox1961]

hi, Sorry you were missed.

 

It would be easier if you could find someone with a scanner as the experts can't really say with what you have written.

 

Do you have a digital camera?

 

Does the page with your signature on have any terms and conditions or any way of linking that page to any other?

[cymruambyth]

If you can't scan or take a photo ofthe agreement, try looking through some of the Cap1 threads to see if yours is similar to any of them. When was it taken out?

[snagpuss]

thank you both for answering, i found one last night and i posted it on oanther thread here:

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/204172-crapital-one-cabot-have.html

 

 

i dont know how i ende up with two threads, minds all over the place.

There doesnt seem to be linking the first page with the seccond if that makes sense. It was taken out in 2005, applied online then got a form to sign

[cymruambyth]

Hi if you press the red triangle, you can ask the sit team to combine both threads which may be less confusing.

[car2403]

2 merged

[snagpuss]

I have read some of Sunflowers thread regarding Capital one, there seems to be an issue with the "Section 23" as mentioned on the first page, when I go to the second page, there is a section 1& 2 and then there is, well I don't know how to describe it, it look likes it is meant to say "section 23" but...................it looks like they have altered is, the 3 is quite clear but just before it, is another number that looks its made to look like a 2 but it looks like it was a 3 first (its has been def altered) then there is a 3 further along the the line than numnbers of the Sections 1 and 2.

 

Also, all the typed documents which list all the suposed T&C's, there are two section 10's, one entitled FINANCIAL AND RELATED PRODUCTS and another one entotled PAYMENT and SECTION 23 is entitled GOVERNING LAW :idea:

 

Please can anybody help, why if they have included what they think are the Terms and Conditions relating to my account, why have they sent another 9 pages containing them, these are typed out as you would type a letter or document, no mention of Capital One or myself on them whatsoever.