Capital One > Cougar and now Fredrickson & Bryan Carter

[Caponedebt]

Hi Folks,

I have a debt of £2500 with Cap One which was passed to Cougar. After some horrendous lies/twisting of stories with Cougar on the phone I decided to restrict all communication with them to sending letters.

 

In an odd twist (or at least that how it seemed to me) I agreed with Cougar to send them £60 PCM - They couldn't agree to this and wanted £133 PCM , but they said I could send it anyway and it would be taken off the amount owing. I made one payment and they then sold the debt to FI . I should also point out that it took them 2 weeks to cash the cheque and I did not receive a receipt or acknowledgement of payment.

 

FI.

I recently wrote to FI using a template letter from MSE asking that all correspondence be carried out in writing and that as I am now unemployed I am prepared to offer £40 PCM and asking to whom I should make the cheques payable and where should I send them. Two days later I have now recieved a letter from Bryan Carter (BC) telling me that should court proceedings be issued there will be additional fees levied on the account and pay up in 14 days or else!

I would love to pay them the outstanding balance, but I just don't have the money!

 

Should I write again to FI or BC or both with reference to this letter ? Can anyone tell me what my next course of action should be please ? I'm starting to get a bit worried now.

 

 

Many thanks in advance

[rebel11]

Hi cap

 

Welcome to CAG

 

The guys will be happy to advise as soon as they are available.

 

Have you got any Penalty Charges that you can claim back with interest?

Have you been Mis-sold PPI on the account?

Have you sent a CCA request?

 

Have a read of 1,2,3,4,5,6 and 7.

 

Welcome to Consumer Action Group

 

'Challenges are what makes life interesting; overcoming them is what makes life meaningful.'

Joshua J. Marine

 

1) CLAIM BACK ALL PENALTY CHARGES WITH INTERESThttp://www.consumerwiki.co.uk/index.php/FAQ

2) CLAIM BACK ALL MIS-SOLD PPI WITH INTERESThttp://www.consumerwiki.co.uk/index.php/PPI

3) COMPOUNDED CONTRACTUAL INTERESThttp://www.consumerwiki.co.uk/index....erest_Tutorial

4) REQUEST CCA FROM CREDITOR http://www.consumerwiki.co.uk/index....t_Act_template

5) OFT's GUIDANCE ON UNENFORCEABLE AGREEMENTS http://www.oft.gov.uk/shared_oft/bus...it/OFT1272.pdf

6) DON'T BE BULLIED BY CREDITORS AND DCA's http://www.consumeractiongroup.co.uk...elf-help-guide

7) IN DEBT DON'T PANIC http://www.consumeractiongroup.co.uk...ries-Blog-Home

8) FULL AND FINAL SETTLEMENT: A guide for the rest of us

9) SALE OF GOODS ACT-EDUCATE YOUR RETAILER-http://www.oft.gov.uk/business-advic...irly/sogahome/

10) TENANCIES Assured and Shorthold tenancies - A guide for tenants

11) EVERYTHING HOUSINGhttp://england.shelter.org.uk/

DON'T GIVE UP, THIS SITE WILL PROVIDE YOU WITH GUIDANCE AND EMPOWERMENT

 

Don't forget to donate to this site - https://www.paypal.com/uk/cgi-bin/we...28d42bdf5d9d2c

[Caponedebt]

Thanks for the info.

 

I wasn't sold PPI I'm afraid.

 

Can I send a CCA even though I have sent a letter telling Fred that I sent a payment to Cougar and that I have offered to send them a payment ?

 

I will have lots of penalty charges on that account I would imagine, but I don't have the info as to when and how much for I'm afraid.

 

Thanks for your help , I'm just getting a bit jittery now

[BRIGADIER2JCS]

You can do a CCA request at ant time.

Brig.

[rebel11]

Hi Cap

 

Don't panic, get control.

 

Send a SAR Request they have 40 days to provide all the data they hold on your account. They will send you all the statements for 6 years plus, all the charges will on the statements. Don't forget to claim interest. http://www.shweb.pwp.blueyonder.co.uk/interestcalcs.xls

SAR template can be found in the library.

 

'I will have lots of penalty charges on that account I would imagine, but I don't have the info as to when and how much for I'm afraid.'

[Caponedebt]

Thanks folks.

 

Does the CCA request go to BC or Freds ?

 

Seems a bit silly to send £1 to both .

 

Do I also send a SAR as well as the CCA ? Does one supersede the other ? And who should that be sent to, BC or Freds.

 

Sorry for all the Q's

Edited July 14, 2011 by Caponedebt

[BRIGADIER2JCS]

Hi, send it to Freds, send a copy of the letter to Carter:madgrin:

if only to confuse his tiny mind:lol:

[Caponedebt]

Thanks Brigadier.

 

When you say send 'it' to Freds, do you mean the CCA or the Sar or both ?

 

Thanks

[BRIGADIER2JCS]

CCA to Freds, SAR to the original creditor, the SAR should provide the CCA, but sending

CCA to Freds puts them on'' hold'' until it's provided.

 

Brig.