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    • Hi all,   I would like to thank you all for your help so far on this matter. I have been reading some relevant thread on here as rightly suggested to get myself up to speed.   One thing is certainly clear, and that is NO to mediation. I have got to put the form N180 in the post first class tomorrow money to meet Monday's deadline. I haven't really found a clear answer to one or two things: 1) Can i change the hearing venue to my preferred county court? 2) What's my reason for considering the case not suitable for the small claims tack and what alternative?   I'm really sorry to be a nuisance but this has got to be posted tomorrow morning and i'm running out of time.   I am really counting on your advise please
    • I have contested a parking ticket on Bradfield Rd car park in Sheffield i was only there in April for 39 minutes but got issued a ticket saying i was parked in permit holders space. Its normally free for 1hr 30. I have attempted to pay the original fine but it would seem there reference number is incorrect as it does not let me pay.  They have now sent letters demanding £160 and have passed the charge to a company called Zenith.  I have rang wrote etc but cannot get any form of coherent communication and am now worried as to what to do next any advice appreciated.
    • Hi caggers,  OH got a vanquis card, defaulted and made a last payment in July 2015. Since she gave me a heads up with threat letters for pre-court action, I fired off a CCA and got a response way after the prescribed time line (I can live with that).   They did send her a CCA and breakdown of spends. The problem I had with the CCA they sent her was it was pretty unreadable (I can post a copy) but it had her signature on there. I don't doubt the OH owes money but after speaking with her she cannot remember but didn't think it was as much as Lowell's are wanting to claim for as she only had a £500 limit and the amount they want is near £900.   I fired off an AID letter stating the CCA was illegible and at the same time sent a SAR to them specifically asking for a copy of the DN, Breakdown of charges and Interest and anything else they hold.   They come back acknowledging both letters but still asked what she her intentions are regarding the account with failure to do so possibly resulting in a claim form incurring costs.   They also said they will not send any further copies of the CCA as they've already compiled with the original CCA request.   Am I correct in thinking the CCA has to be legible and that this is grounds for the AID? I'm happy to come to an arrangement to clear the right amount owed but not some over inflated figure.   Thanks PM
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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.
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      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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