Cap1 CCA return

[Izzy40]

Well, I had a visit from a guy at Power 2 Contact this afternoon. Fortunately I was at work so he left a card in a handwritten envelope with just my name on and the card quoted my account number and asked me to ring him to avoid any further action.

 

I haven't rang and wonder if he will try again ..... I think probably. I am on edge now.

 

What is the point in requesting a CCA, putting the AID, sending a letter of complaint and then a letter rejecting a doorstep visit for this to happen? And the ridiculous thing is, I am paying them all I can afford each month!

 

Does anyone think I should ring the number on the card??? Thanks.

[Guest Old_andrew2018]

No dont phone them, with reference to further action, what further action it is total BS, if they come to your door dont answer.

[Izzy40]

How many times do you reckon they would try before giving up?

[kurvaface]

Ring trading standards on 08454 040506. They know all about these clowns and will tell you how to deal with them or take action on your behalf if necessary.

[mr.ton]

Never have such a company with such a name....in reality actually have no power whatsoever

[Guest HeftyHippo]

DCAs often visit and simply put a card through your door. it inmtimdates you to think you just missed them but they will be back. often they make no attempt to knock on the door, just put the card through, so don't think if you get such a card that they will be asking for money at the door. and if they do, simply tell them to go

[lickthewallfatboy]

powerless 2 do anything,actually.....really

[mr.ton]

In reality its nothing more than the postman delivering these silly cards & the DCA makes it look like it was them that visited & missed you....

[hungrybear]

If you are worried about an idiot turing up at the door then why not fit a chain to the door - ten minute job, you can get one at wilkinsons or similar. Then you have full control - open door on chain, say'put anything and evrything in writing, now please leave'. Close the door

[Seminole]

If you are worried about an idiot turing up at the door then why not fit a chain to the door - ten minute job, you can get one at wilkinsons or similar. Then you have full control - open door on chain, say'put anything and evrything in writing, now please leave'. Close the door

 

... and call the police if they hang around or misbehave.

[mr.ton]

It is anti social behaviour which ever way you look at it & this government have made a big issue of that in recent years.

Perhaps the DCA's can even be given ASBO's

[Izzy40]

Can someone please take a look at this agreement I've eventually been sent. Is it enforceable please??

 

[PGH7447]

its an application form with no T&C's

[Izzy40]

Ok, thanks for that.

 

I placed the AID a couple of months ago although I have continued to make my pro rata payment, even though they have never accepted this and are still adding interest and late payment fees (nearly £140).

 

I have received another letter this week saying they are going to pass my account to an external agency. I have already had an attempted visit from Power 2 Contact during this dispute time.

 

Is there anything else I can do please?

[alfwithhair]

Are the terms & conditions referred to as 'overleaf' there?

Is anything on the back of this application form?

If you have disputed the account, why are you still paying them?

[Izzy40]

Don't think there is anything else on the back but will check when I get home.

 

Have been keep paying them because my main aim was to avoid court action and I did hope to repay the debt in good faith. Not so sure now, I am tempted to cancel my standing order for next month.

[Izzy40]

Had another look and there are no terms and conditions overleaf. They have sent me 4 separate sheets of terms and conditions which look totally different from the form and obviously no signature anywhere.

[Izzy40]

Just wondering where to go from here with this one. As I mentioned, I placed the AID a while ago and have had many letters from C1 alongwith the above 'agreement', which I now know to be hopefully unenforceable.

 

Anyway, today I have received a letter in response to my correspondence sent weeks ago advising me that they have been unable to agree a payment plan with me because I did not send a copy of my bank statement.

 

I now intend to stop payment, do I need to write to them again with another AID letter informing them that what they have eventually sent me is an application form. Thanks.

[steve2577]

Can I make a suggestion and only because 3 weeks ago I was in the same position.

 

Scan if you can you agreement and get it onto a computer then open an acccount in www.Photobucket.com when you have uploaded it you can then make changes and use a rubber to take out any personal stuff.

 

After you have the file in photobucket there is a share option labelled IMG if you copy this then you can paste this into the posting on this thread.

 

Now you may not have a scanner OK if you can afford it they now come integral to printers and are quite cheap. But if it's a real problem maybe a friend could scan it for you and then email it to you.

 

The reason I say this is that it is easier to see easier to upload and dwonload and less hassle for you.

 

Now I was a newbie 3 weeks ago but after staying up all night for about a week I am now in a position to try to help others and I can assure you that once you have been helped on this site you want to give it back.

 

If you are familiar with the site you can PM (Private Message me anytime for help).

 

As for you actual question I am afraid like me you want all the answers on day one and it doesn't work like that you need to read a few threads and slowly you will become self assured.

 

It would appear that like the rest of us your so called agreement is flawed and hopefully the end result will be a happy one.

 

 

Regards Steve

[Izzy40]

Thanks for your reply Steve, I do have a scanner but find it a nightmare to use. Took Cerus's advice a while ago and now use my camera and tinypic, it seems to work ok, quite quick really.

 

I have cancelled my payment to C1 now, watch this space.

[Izzy40]

Hi, received a few more letters from C1 and finally stating that I still need to pay up etc etc which I have ignored.

Letter received now from Capquest advising that they have the debt and I need to clear in full! Shall I ignore this for a while or send a bemused letter??? Thanks.