Capital One and FTP

[Snappie37]

Hi,

 

Pretty new around here but having taken lots of c*** from banks and other institutions I've decided to start fighting back, including reclaiming charges, now I'm looking for a little advice on this.

 

I am in arrears on a Capital One credit card. I have written to them (already told them I will only communicate by post!) and made a reasonable offer of monthly repayment. They have ignored the offer but have now written to me saying that they are no longer dealing with my account but have transferred it (their words) to FPC, a dca.

 

What's the best advice on what I should do next? Has anyone had dealings with this company and what should I expect?

Edited June 25, 2010 by Snappie37

[Craigbadger]

They are Capquest.

 

Dont speak to them by phone.

 

Have you asked for a copy of your cca?, there are templates on this site. Cap 1 were not the best so a good chance they cant enforce.

[miss muppet]

Here you go:-

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter

 

Don't sign the letter, print your name or use the digital signature on here, capquest are one of the worst for harassment, if they do ring, tell them that you are making notes of the number of calls they are making and then put the phone down and send them the harassment letter from the debt collectors library.

 

They have 12 + 2 days to comply with your request for a true signed copy of your agreement after which point the account will be dispute.

[Snappie37]

Thanks for the advice Miss Muppet and Craigbadger.

 

I will get off the cca today. Yesterday I received a big yellow card inside an envelope from FPC. In big letters across the card it said "Address Confirmed" and then lots of bumf about them confirming that I lived at my address...not that I ever said that I didn't!!. Obviously its an implied threat to send someone to the door..) I've already written to them telling them to only contact me in writing, using the template letter.

 

I also had a TWO letters from Capital One. One from Graham Robinson replying again to my offer of payment and simply saying that the debt was now with FPC and one from Sven Lagerberg regretting that my PPI on the agreement had been cancelled by me...but I didn't do that, THEY did, when they terminated my agreement. Is this normal?!!!

 

Btw, when the debt was passed to FPC, should I have received any sort of notice of assignment?

 

I'll keep you up to speed with developments...and thanks again for the advice, much appreciated!!

Edited June 25, 2010 by Snappie37

[miss muppet]

Thanks for the advice Miss Muppet and Craigbadger.

 

I will get off the cca today. Yesterday I received a big yellow card inside an envelope from FPC. In big letters across the card it said "Address Confirmed" and then lots of bumf about them confirming that I lived at my address...not that I ever said that I didn't!!. Obviously its an implied threat to send someone to the door..) I've already written to them telling them to only contact me in writing, using the template letter.

 

I also had a TWO letters from Capital One. One from Graham Robinson replying again to my offer of payment and simply saying that the debt was now with FPC and one from Sven Lagerberg regretting that my PPI on the agreement had been cancelled by me...but I didn't do that, THEY did, when they terminated my agreement. Is this normal?!!!

 

Btw, when the debt was passed to FPC, should I have received any sort of notice of assignment?

 

I'll keep you up to speed with developments...and thanks again for the advice, much appreciated!!

 

 

Yes totally normal behaviour for Crapquest but who are FPC? Have to say thats a classic name Sven Lagerberg. Yes you should have had a letter of assignment from the original creditor, a nail in their coffin. Might be a good time to do a Subject Access Request, £10 and don't sign and this goes to the OC. Well done dealing with this so far and we're here if you need us. By the way when you get a copy of the agreement use a free photoimaging site such as photobucket so the peeps on here can give their opinion as to enforceability.

[Snappie37]

Miss Muppet, it is FPC, not what I put in the title, sorry (

 

There has been no letter of assignment, just letters from oc and FPC to say FPC are now looking after this account.

 

I sent off the cca today to DCA, let you know when I get a reply.

 

So Sven is well known?!!..really odd to get a letter that was almost sorry that the PPI was cancelled when it was CapOne that caused it to be cancelled!!

[Craigbadger]

Not sure who fpc or ftp are to be honest actually. Are you sure its not ftc?

[miss muppet]

Sven isen't well known to me:D I just think it sounds like a made up name, but then most of Capquest's are (I know yours is a different DCA - where are they based BTW) they have a person called Barry Davis who is constantly on holiday or in a meeting when Caggers who have been issued with SD's call to tell him they are going to get a set aside!

[Snappie37]

Definitely FPC Debt Collection Services, their address is a PO Box in Weybridge, Surrey. On their letter they also state that payments "in some circumstances" can be taken by credit card. Isn't this also against OFT rules?

[Damosel]

Hi - FPC are the pre-charge ( early stages) arm of Fredricksons Ltd -DCA

D

[Snappie37]

I CCA'ed FCP on 25th June. Since that date I've heard didley squat. No phone calls, no letters, nothing, its been eerily quiet!

So my next step? An account in dispute letter to FCP or is there something else I should now do?

Any advice please?

[silverfox1961]

Heylo,

 

I would be sending letter 20 from here:

 

The Consumer Forums - Debt collectors

 

Just make sure the 12 working days have passed since they received the request

 

Also, it doesn't matter that Cap1 cancelled the PPI. If it was mis-sold to you in the first place, you can get it back.

Have you sent Cap1 a SAR yet?

[Snappie37]

So I should send this to FPC? The last letter from Cap 1 said that the whole account had been transferred to FPC and was no longer in their hands.

 

I haven't sent an SAR to Cap1 yet. I was first waiting to see what the response to the CCA would be...and the answer to that is nothing!

[silverfox1961]

So I should send this to FPC?

 

Yup

[Snappie37]

Just when I said it had gone quiet I had a letter on Saturday from Sven Lagerberg, "Head of Executive Response Centre" (!!)

 

This says that Cap1 are "looking into my situation and will do everything they can to get an answer to me within four weeks"...!!!!

"If for some reason our investigations take longer than four weeks we'll contact you and tell you why this is.."

 

Don't they realise they have a statutory time to reply? ...or is it that they simply can't find my original application form?? I originally applied around 2003.

 

Sent off letter 20 as suggested and I'll keep you all up to date with developments.

[hatedebt]

Hi

 

Any update on this?

I am stuck in a very simliar situation involving both companies

 

I have been issued with a default notice 3 days ago, and saying Capone will be passing my details on to a DCA

then recieved a text yday from FTC

 

I rang Capital one who didnt want to take payment and said to me Capquest will be in touch

 

I missed 3 months payments due to falling on hard times,

I havent yet recieved written communication from FTC or Capquest, just calls from FTC which I answer and hang up

 

I have started a thread but no response yet

can you advise what I should do next

I opened my capone account in 2002