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    • If only that was his worst .. absolute peanuts compared to his recent wastes though ..   £500 million to tory pals in failing to collect a couple of hundred spit samples a day £12 Billion on Trace a test which has largely collapsed at the very start of the winter upsurge £88-100 Billion+ on Brexit as of earlier this year just in lost growth (from memory) Over a £Trillion in assets fled to the EU (Including Redwood and Ress Mogg) £288 million a week ongoing for Brexit and post brexit customs bureaucracy - whenever they get the systems running Nissan and Toyota saying UK taxpayer pay any Brexit tariff bills or Plants including Sunderland are unsustainable   How much are the lorry parks costing?   ... and he still REFUSES to feed hungry UK kids  
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    • Thanks DX, I've read these a few times over. I'm feel like I'm pretty confident on the subject.   Do you think I should play dumb and quote the law of property act etc anyway?   The only thing I'm not sure about is the process now, I'm obviously very inexperienced in this and I'm not 100% sure what the sherrifs order is asking of me (post #53). Or maybe I don't need to do anything at all because I'm not submitting any documents as evidence?   The order is post #53 and I'm not sure what they mean by written submissions? is there a form or correct format/process for doing this?   Again, appreciate the help DX and sorry for all the Qs.  
    • Hmm, that is a challenge, my computer ability is limited to copy and paste, which I have included below. Is it very important? I can try and find out but I have the email reply and that is all, sorry   Friday, October 23, 2020 5:28:53 PM To: enquiries@idealwindowsolutions.co.uk <enquiries@idealwindowsolutions.co.uk> Subject: Order cancellation RF14127D   Dear Ideal Window Solutions,   On the 11 of June I signed a contract with you to deliver and install double glazed windows. I was promised to get it done within 8 weeks. The timing was very important to me, I made it very clear to you, and this was the main reason I chose your company. For all kind of reasons your promises did not materialised. After a number of phone calls and emails between us I have decided to cancel my contract with you. I am not prepared to wait any longer, also I have no intentions to install windows during rainy winter time.  Could you be so kind to refund me my deposit of £100 pounds. If after winter time you will get your problems with your suppliers solved please give me a call, maybe we can try again. I will need  new windows anyway. Kind regards,
    • An update - The salesman who has dealt with most of this is off on Mondays which never helps and the senior service person there who I spoke to last week is also off all week.   I got a call from a service advisor today confirming the booking but was concerned I was waiting - explained (again) the story and he understood but on his job card, only had that he had to investigate the tyres and not necessarily replace.  Someone either is not communicating or I've been told lies.  I have gone through the recording and the salesman clearly states he has gone to upper management, discussed it and we will be replacing the tyres and battery to sort everything out.   Sat nav will be resolved tomorrow and they'll be looking at the broken sun visor.  I have also emailed regarding the gearbox service - I have a good friend working at Audi servicing at another group and he had mentioned Audi should be carrying out servicing if due within 4 months or so and this was.  I raised it pre-collection a number of times and was shutdown each time with "if a service needs to be done, it will be done"   Fast forward to today when I got the job card to sign in advance, it clearly states: Date: 20/10/2020 (our pickup day) Carried out MPC & oil service Haldex Reqs gear oil service.   The Gearbox service is due at 38k and the car was sold at 35500 well within the 4k which is probably why their own systems have flagged it. Haldex I'm not sure - this seems to be every 20k I think so due in 4.5k.  Oil service I can't see how they did it as the service history we got from them (verified by another dealer) was from September.   Lets see what they say tomorrow - I have flagged it with the service advisor from today but got no response.   Ironically, the friend did mention they've had other POA buyers book their car in elsewhere only to be told various handover bits were not done - I thought it was typical dealer rivalry talk but maybe there is truth in it.  
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
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So am I right in saying that I simply wait for a termination notice and then dispute my CCA again? or do I wait and dispute the termination?


Thanks as always.

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I've received another letter from Crap1 today reminding me of the default so any guidance on my next step greatly appreciated.



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  • 2 weeks later...

If someone could provide me with assistance as to my next step, which letter to write etc it would be greatly appreciated, I'm beginning to get a little desperate and nervous now!!


Many thanks

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Sorry I cant advise you but do try and chill out. Remember your account is in dispute and these agreements are naff. For your info they are not sending out the reverses anymore but reconstituted different versions with the signature page and section 23 so imo those reverse pages are junk and they know it.


My account was terminated about 7-10 days after the 28 days given so you wont be too long then just sit and see what the postman brings and post back up. Ps phonecalls stopped dead on the 28th day, week off and capquest started but just refuse to speak.

Edited by Craigbadger
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Right had an 'official default' letter now.


This can be seen at http://i557.photobucket.com/albums/ss15/njohns78/CAP1/Cap1defaultletter21-5.jpg


Basicaly says account terminated.

Right to demand full balance. May add costs to this.

Notify credit ref agencie :( (only part that concerns me!)

May place or sell the account to debt collection agency.


I'm presuming I need to reply to this letter?


Thanks in advance.

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Wait and see what happens.

Thats just confirming theyve terminated your account and can now ask for the lot. Just a formality really which I guess you knew was coming. I didnt bother replying.

Chances are it will be with someone else next week, post back when as theres a template letter when someone else trys collecting while in dispute.


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  • 3 weeks later...

After sending the advised letter to FTC, advising that the account was in dispute, I've now had a response.


This can be seen at: http://i557.photobucket.com/albums/ss15/njohns78/CAP1/FTCletter11thJune.jpg


Basically though it simply says:


"thank you for your recent communication.


Please be advised that we have contacted our client on your behalf who confirm that all requests have been fully complied with and therefore this account is not in dispute.


The balance is correct."


Next step please??


Thanks as always.

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Sorry cant help you yet, I had a similar letter saying they are awaiting a response from there client and will contact me shortly.


Dont worry anyway, just stay off the phone and see what other junk they send. Sure someone will post something more useful. :)

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All theyve sent me now is a copy of Cap1 s original account is dispute response and a in/exp sheet. I'm just ignoring them, as far as i'm concerned the accounts in dispute.

Have you told them you wont speak to them on the phone?, that all I did and they havnt rang since. Remember they are only ringing to bully you into paying.

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  • 2 weeks later...
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Cap1 have been quite for some months now - probably 9-12 months.


I'm only presuming this can only be a good thing!??

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  • 2 years later...

Hello folks,


It's been a while since I've hung out around here :)


Update on my Cap1 dispute is that I've not heard from them for going on 3 years now. I believe that this debt will be wiped from my credit file, so to speak in about 3 more years.


I was after any advice on offering to settle this, and whether I should. (FYI its a good 5 figure sum). I hope to be able to be in a position to get a mortgage next year so its whether I wait until nearer that time, and then settle, or whether I'm better settling asap, if that is advisable.


Any advice on suggested settlement figures is appreciated. I presume if I was to contact Cap1 that doesn't cause me no problem? as I said the calls have stopped for a good 3 years now!



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The only reason to settle with Cap1 is to get the default totally removed from your credit file. They would rather stick needles in their eyes than do this so, if you feel you have to contact them, make sure that any settlement offer includes removal of the default as otherwise they are likely to mark the account as 'settled' or 'partially settled' neither of which do you any good whatsoever.


IMO save for the next 3 years then wait for the default to drop off.


Oh yes, with any settlement, always start low (10%) with an upper level in mind.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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