cap1 card debt

[citizenB]

Yes, the t&cs required for compliance with an s78 request are the "original" t&cs because all future variations will be based on the original.

[blueboy1]

Just a quickie,

Are the two DCA's the same company?

[victoria_siempre]

Hi blueboy

 

I think yes judging by their respective common addresses; but Scotcall also do wetwork for other OCs and DCAs; I've had a visit myself on behalf of BarclayCard from a very nice chap who exited stage left quite quickly. Nothing to worry about.

 

love

 

vic

[blueboy1]

Thanks for the quick response, I have fired off a acct in dispute letter to them as Debt Managers did not provide CCA.

We are in stalemate.

[victoria_siempre]

Hi blueboy

 

Your account is in 'deadlock or dispute'; 'stalemate' is a chess term which lacks positive thinking.

 

x

 

v

[blueboy1]

dispute.

[victoria_siempre]

Quite so

 

And it becomes deadlock when they dispute your dispute.

 

x

 

v

[blueboy1]

I'll just let them carry on with the letter Tennis!

[blueboy1]

Just had another letter from Capquest again today.

Still with application form and the terms and conditions which I disputed are still the same plus they sent me other ones with higher apr on them.

I know I would have not had that card with such a high apr as in their terms.

Do I carry on playing letter tennis with them disputing this or does anyone have any other ideas.

Blueboy1

[blueboy1]

are you about Brig for your sound advice?

[blueboy1]

Hi Everyone,

Can anyone help with the above?

[dx100uk]

as said

i would not rely on a paperwork error to disolve a debt.

 

you need to be paying something even £1PCM

 

and time to get reclaiming

if you think the PPI reclaim will clear the debt

 

what about charges

i cannot believe a cap1 card is not littered with £12 over/late fees

ALL can be reclaimed too.

 

if you do not have all the statements

SAR CAP1

 

dx

[blueboy1]

many thanks for advice,

I will do as you say.

[blueboy1]

Hi Everyone,

Could anyone tell me is Advantis is the next desk down from Capquest?

[ims21]

Don't think they are linked

 

What is the story please?

 

ims

[blueboy1]

Sorry ims, was having a nap.

In August I CAA'd Capquest and they produced only a application form and the terms and conditions were not the correct ones.

So the account was in dispute.

When the Advantis letter arrived today saying Capquest was their client, I thought they must be the next desk down.

So I have already sent acct in dispute letter to them today.

Capquest know that they don't have a leg to stand on, and this fell off my credit file in November, but is not SB.

[Bazooka Boo]

Ignore them then if it's not on your CRF.

[blueboy1]

Thanks, Bazooka Boo,

Capquest know that their Application form was not good as a credit agreement, hence Advantis trying their luck, Who is next I wonder????

[Stigman]

Who is next I wonder????

 

Lowell's seem to be buying a few lemons has of late, so possibly them, they will realise this and sell it on to Muck Hall who will then Sell it onto Rockwell or Activ, so you have a few years of free hamster bedding ahead of you yet

 

Stigman

[blueboy1]

Hi again,

Last year I CCA'd all my DCA's with various results.

Capquest had an old Capital one account to which I was paying £1 per month for about 18 months.

When they just produced an application form without the correct tems and conditions, I put the acct in dispute.

 

Meanwhile in November the default had fallen off my Cra file. (Capquest bought this debt Dec 06)

 

All was quiet till December when Advantis wrote saying Capquest were their clients and wanted payment.

 

I sent Act In Dispute letter straight away but they keep writing (I have ignored) every couple of weeks demanding payment.

 

What is the best thing to do now?

 

Blueboy:|

[BRIGADIER2JCS]

Ignore them you done all you can, this

will go further down the DCA food chain.

When exactly did yo make the last payment.

[blueboy1]

Thanks for replying Brig,

I last paid July 2011 so not SB, but Capquest had this debt from 06 but only started paying token amounts from 2010

[dx100uk]

numerous threads on the same debt merged

 

always keep to ONE THREAD per debt

 

for sake of history of advise

 

dx

[blueboy1]

sorry dx will do.