Help with Capital One

[cerberusalert]

Ignore them for now, no doubt they'll soon pass it on to another bottom feeder.

[iamtiasmom]

Ignore them for now, no doubt they'll soon pass it on to another bottom feeder.

 

Oh ok so I respond to the next DCA in the same way as before?

This letter doesn't mean the account is no longer in dipute?

Does this letter actually make any sense or are they deliberatly trying to confuse me?

 

Thanks

[cerberusalert]

Oh ok so I respond to the next DCA in the same way as before?

Yes.

Does this letter actually make any sense or are they deliberatly trying to confuse me?

It's a template send out by someone who wouldn't know the difference between their derrière and their elbow.

[iamtiasmom]

Thank you cerberusalert as usual you are increibly helpful

[iamtiasmom]

It's all gone very quiet, wonder how long it will be before they make their next move?

[cerberusalert]

It's all gone very quiet

That's how you want it.

[iamtiasmom]

Hello, just to keep you posted, I've not heard anything from Capital one or DCA's at all!

[cerberusalert]

No news is good news.

[iamtiasmom]

No news is good news.

Yes, I daren't get too excited though, keep expecting something nasty to land on the door mat.....

[cerberusalert]

They've already admitted that they cannot take any enforcement action, the most they can do is ask you politely for payment. You can impolitely tell them to go forth in short jerky movements.

[iamtiasmom]

I love this website and have been sharing it with friends, lol, thanks Cerberusalert. x

[iamtiasmom]

Help, I've done something stupid, I've accidentally sent an £11 payment to Capital One this morning, while half asleep and trying to pay my billsstupid faster payment can't be cancelled. Not heard anything from them in months now, what will happen?

[cerberusalert]

It will be deemed as a gift from you & probably provide the impetus for them to try and get you to pay more.

[iamtiasmom]

So will I then continue to ignore them?

[cerberusalert]

So will I then continue to ignore them?

 

Yes.

[iamtiasmom]

Good evening,

 

Does anyone know if I can get this account removed from my credit file, it's showing as default but I've had no correspondence for two years now. How long does it take for the debt to disappear?

 

Thank you

[theoldrouge]

It will drop off your credit file six years from the date of the default paid or not

[iamtiasmom]

Ohhh I've just got a DCA letter from a company called Lowell. Do I just send the account in dispute letter to them?

[theoldrouge]

Ohhh I've just got a DCA letter from a company called Lowell. Do I just send the account in dispute letter to them?

 

seems they have sent out a huge bundle of these today

 

tell them the ac is in dispute

[Old Cogger]

must be coming up to default dropping off time, you are one of many of us. most are waiting for the next letter, which is LOW101 offering assistance to get you to pay up. all letters received to-day seems 6 years in october etc.

[iamtiasmom]

Ok, thank you

[AndyOrch]

**you can post up images/letters by this method immediately. You don't need 10 posts**

.

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use http://www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice DD -mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

...

YOU DONT have to put a link to the attachment in the msg box. Just upload it ..job done

 

[iamtiasmom]

third time lucky

[Desperate Daniella]

Hi there,

 

 

Write to Lowell and tell them they are well aware that they have not sent a copy of your alleged credit agreement. Tell them you wish to see a copy of the whole alleged agreement and not just the parts they have cut and pasted.

 

 

Refer them to the Waksman Judgement in Carey v HSBC, Paragraph 234 (4) which that states that where an agreement has been varied by the creditor under a unilateral power of variation a copy of the original agreement must be supplied.

 

 

Then refer them to the Consumer Protection from Unfair Trading Regulations 2008 and tell them they are obliged to let you know if they hold, or have ever held, a properly regulated credit agreement for this alleged account. They are equally obliged to inform you if they have no such agreement.

 

 

Finally tell them that you will wish to personally inspect any credit agreement they may produce!

 

 

DD

[iamtiasmom]

Thank you, I have just recieved a letter today saying that they are continuing to persue the debt and if i have an objection I should contact the financial ombudsman.