Jump to content


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4265 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Heres what I got from s78 request:

 

attachment.php?attachmentid=12861&stc=1&d=1254170758

 

attachment.php?attachmentid=12862&stc=1&d=1254170758

 

Everything looks fine to me if those T&C are actually on the back of the first page. The total owed is £1,640 and CapQuest are saying that they will settle for £1,150 after I offered a lump sum of 1K.

 

What do you think guys? Should I play hardball on the figures? As part of the deal I am asking for default removal and confirmation of full settlement etc.

cap1CCA1.jpg

cap1CCA2.jpg

Link to post
Share on other sites

This is the typical agreement from capone...

 

Some say enforceable, others say not. Have a look around the crapone area for more ideas on what comes next if you withhold payments etc.

 

Capital One - The Consumer Forums

 

 

Personally I'd look for everything that links this front application to the back and ensure they are two parts of the same document...

 

What year was this taken out, mine was 2004 and they admitted in a defence that they scanned the front page in and destroyed the original.

 

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.

Link to post
Share on other sites

Mine was 2005 shadow. What happened with their defence? Do you have a link to your case?

 

TBH I am fighting around 3 or 4 creditors atm and trying to settle 3 others that I think are more difficult fights. This is one I'm planning to settle as setout above.

 

I was hoping for more comments on the negotiation process with DCAs as I was shocked to find out they buy debts off creditcard companies for 10% of value.

Link to post
Share on other sites
This is the typical agreement from capone...

 

Some say enforceable, others say not.

 

Tameside Trading Standards Service say NOT.

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/59620-diskmandave-lowell-finacial-capone.html

 

Good luck... Dave..

If my post was helpful don't forget to click the star!

Advice is offered freely, without liability and without prejudice.

If in any doubt professional legal advice should be sought.

 

I do not profess to be in any way legally trained, I am a big

oily truck driver and all I know has been learned within the

Consumer Action Group.

 

FAQ's

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

Trying to stop smoking?

http://www.consumeractiongroup.co.uk/forum/give-up-smoking-here/

 

A dummies guide to the forums

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

--

KEEP WILDLIFE IN THE WILD

http://www.bornfree.org.uk

BORN FREE FOUNDATION

--

Link to post
Share on other sites

 

 

I've checked your thread Dave. This is slightly different to yours. For a start, what they sent you was an application form and the wording was different and I don't think they sent you any T&C. Yours was from 2001 - no doubt they changed things slightly before this one in 2005.

 

Cheers anyway.

Link to post
Share on other sites
  • 2 weeks later...
What happened in this case Shadow?

 

Settled out of court ;-)

 

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.

Link to post
Share on other sites

Is there a link on here Shadow?

 

If not do you mind a few questions? :

 

1) Did you issue against them or they issue against you?

2) Did you settle up with them by paying a percentage of the 'money owed'?

Link to post
Share on other sites
Is there a link on here Shadow?

 

If not do you mind a few questions? :

 

1) Did you issue against them or they issue against you?

2) Did you settle up with them by paying a percentage of the 'money owed'?

 

 

Yep..

 

http://www.consumeractiongroup.co.uk/forum/dca-legal-successes/183291-pmw1971-capital-1-a.html

 

1) I issued against them for PPI+charges

2) I reduced my balance and am paying off the remainder at favorable terms

 

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.

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...