Gazza and Capone

[Gazza112]

Hi CitizenB

 

Yes, i did check the reference number as it never stated the date of the in there letter what date they where talking about. The Reference number they where talking about was conected to the 5th Novembers letter.

On the letter writing, unless they think its my friend who wrote them a letter at the beginning but he never had a reply to any of the creditors.

 

Gaz

[citizenB]

Hi CitizenB

 

Yes, i did check the reference number as it never stated the date of the in there letter what date they where talking about. The Reference number they where talking about was conected to the 5th Novembers letter.

 

They might just as well have referred to your letter of the 5th then ??.. daft so n sos

 

 

On the letter writing, unless they think its my friend who wrote them a letter at the beginning but he never had a reply to any of the creditors.

 

Gaz

 

Which is even dafter considering they refused to correspond with your friend in the first place.. still we are talking about Capital One arent we.. and who knows what goes through their minds when responding to a letter.. we now have proof they dont read them properly

[Gazza112]

Hi CitizenB

 

If i really complain hard enough to Capital 1, do you think there send me a pink pig letter if i'm lucky. As everyone else seems to be getting one by me:sad:.

 

Gaz

[citizenB]

Hi CitizenB

 

If i really complain hard enough to Capital 1, do you think there send me a pink pig letter if i'm lucky. As everyone else seems to be getting one by me:sad:.

 

Gaz

 

 

Not from Capital 1, Gazza.. Pink Pigs are the main weapon in the MBNA arsenal.

 

I have received an incredibly bright yellow card from Power2Contact who apparently are the mafia arm of Credit Solutions acting on behalf of Cap 1.

[underdog13]

As long as we don't receive a black spot a la Long John Silver and Blind Pugh:D

[Gazza112]

Not from Capital 1, Gazza.. Pink Pigs are the main weapon in the MBNA arsenal.

 

I have received an incredibly bright yellow card from Power2Contact who apparently are the mafia arm of Credit Solutions acting on behalf of Cap 1.

 

I had a a doorstep call from Power2Contact a couple of months back, that companies working for Barclaycard as well. Took some nice pics from the man who called , when he was sent packing .

 

Gaz

[citizenB]

I had a a doorstep call from Power2Contact a couple of months back, that companies working for Barclaycard as well. Took some nice pics from the man who called , when he was sent packing .

 

Gaz

 

Yep, I have the batteries charged up for the camera and the local community policeman's number is programmed into the mobile.

[Gazza112]

Hi

 

Just received my reply to my complaint against not receiving a true copy of my CCA from capital one.

In the letter it says we will defend any application you may wish to bring against us.

Does that mean what i think it means, i've got Capital one on there back foot and there trying to confuse the issue that they have not supplied a true copy of my agreement.

Here's the letter i received today.

 

 

 

Gaz

Edited November 28, 2008 by Gazza112

[citizenB]

To be honest Gazza, I dont understand what the heck they are on about. Unless they believe you will start a claim against them much the same as Davey77 has done.

 

I reckon you just need to sit back and wait for their next move, I cant see they are inviting a reply.

 

Do you have a payment plan in place with them, any charges to reclaim?. I think the only place you would be able to make a complaint to would be the Trading Standards. FOS are just saying that making a decision as to whether a document is enforceable is not in their remit

 

Aha, I see where they might be coming from. I just read the letter you sent them and you have asked for their Final Response so you can make a complaint to the FOS. Hehehe.. wouldnt it be nice if just once, they were to read a letter and UNDERSTAND its contents.

[sunflower99]

Hi Gazza!

Looks like there is a chance i might have to set my pig on a DCA after all!I got a threatening letter from Debitas saying they are going to send an agent round to terroise me into paying them some money within next 7 days! aaaaaaaaaahhhhhh:eek:I was going to take it with a pinch of salt! but apparently beachcomber said on his capital one thread that he actually actually had a call from a Debitas agent!:eek:soyou can live in hope Gazza perhaps Debitas will be nice to you and send you a lovely lady DCA to visit you!On a more serious note ive bolted my door as soon a i got home from work and not going to answer door! eeeeeeeeek

[sunflower99]

I think you are possibly correct, Gazza. If they have cracked up, you will have earned the gratitude of many 1,000s of persecuted CAGers

 

Going back to your letter, it is a bit bizarre isnt i? What was your last letter to them ?, wasnt it the one telling them they had got it wrong !. I am not sure what the answer to this is.

 

I guess you could write back asking them to clarify the contents of their letter as you havent a clue what they are banging on about.

Hi citizen B! Capital one are one of the most bizarre companies ive ever come across!They love playing games and dont seem to read their letters!I keep getting strange call where the number is unlisted where they put phone down on me! I am sure it is capital one or Debitas!I still can not get over their strange behaviour of keep insisting they sent me a signed agreement when they have not!

[Gazza112]

Hi CitizenB

 

I'm as muched confused:confused: as you, they did set up a payment plan of a £1 to be paid by the 20th of each month starting this month.

I did pay a payment of a £1 on the 13th on my statement.

 

Gaz

[Gazza112]

Hi Sunflower

 

Done one better than you instead of bolting the door, i've electrified the door instead. Hope they send a nice blond female round when Debitas calls lol i'll take care of her in a nice way lol.

 

Gaz

[citizenB]

, Gazza

 

Dilemma time, do you continue to pay the £1.00 or do you wait them out for an agreement which they probably dont have.

 

If you continue to pay the £1.00 it should keep the DCAs off your back. After all, Cap 1 have set up the arrangement.

Edited November 28, 2008 by citizenB

[Gazza112]

Hi CitizenB

 

Yes, its a dilemma what to do i may just stop payments to them.

biggest joke, they say its inportant that i maintain payments as my account balance consists of transactions that i have made.

 

What transactions are they talking about, as the only transaction i had on that account was 2 years ago. And i was paying that off, until recently when i couldn't keep up payments.

 

Gaz

[Gazza112]

Hi Citizenb

 

I don't know weather this is any good info in my favour.

Little history on the Capital one card i have, i originally had a card with a free i think at the time was 9 months free interest. Well that run out on that card there was nothing on that card so i never used it.

About 2 years ago Capital one was doing a 18 month free interest on there cards. So i rang up to see if i could get any deals on my card, there answer was no. They did say to get the 18 month interest on there card, i would have to close the original one and they would set up a new card so i could get the 18 months free interest.

 

The point i'm making is they set the new card up over the phone i never signed anything. Is this good news or bad news.

 

This could be why they can't issue me with a true copy off my agreement.

 

Gaz

[sunflower99]

Hi Gazza! I am so frightened! LOL Debitas DCA just phoned me just now!i kept refusing to go through security details with her,She says she i:Ds going to ring me every five minutes! Just waiting for phone to ring again!

[Gazza112]

Hi Sunflower

 

Sorry to hear your receiving calls from Debitas, just tell them you do not have a dept with there company and if need be you will have to take them through security checks. That will upset them, Debitas haven't contacted me in ages, i think i sent them a couple of template letters from this forum.

Just log every call, even better contact BT and ask if you can receive call barred number added to your account I use that and it does work.

 

Gaz

[atwozee]

The point i'm making is they set the new card up over the phone i never signed anything. Is this good news or bad news.

 

This could be why they can't issue me with a true copy off my agreement.

 

Gaz

I think you are right, sounds like there is no agreement – which is why they haven’t even sent you a copy of an application form.

Write to them telling them that you don’t believe there is a signed agreement covering this account and unless they can confirm otherwise you are within your rights to refuse any more payments.

[sunflower99]

HI Cazza!Oh well she has not rung back yet! LOL I supppose i will have to send them a telephone harrasment letter if they do start doing that!and as you say try to get offending number barred! Do Bt charge for that service?

[Gazza112]

Hi Sunflower

 

See you've been stood up again lol, how can Capital stand you up.

Yes BT do charge for this service off hand about £3.50 - £3.75 per month.

 

Gaz

[Gazza112]

Hi Atwozee

 

Yes, i'm going to see if they do write to me again.

If they do i'll do what you said about there agreement.

 

Gaz

[citizenB]

 

The point i'm making is they set the new card up over the phone i never signed anything. Is this good news or bad news.

 

This could be why they can't issue me with a true copy off my agreement.

 

Gaz

 

I think you are right, sounds like there is no agreement – which is why they haven’t even sent you a copy of an application form.

 

Write to them telling them that you don’t believe there is a signed agreement covering this account and unless they can confirm otherwise you are within your rights to refuse any more payments.

 

WOW, Gazza.. looks like you might have them on the run. Unless they have a recording of that call it looks as though they might have backed themselves into a corner. If you SAR them, ou can ask for either a copy of the recording or an exact transcript.:grin:

 

Sunflower, it is a pity you were unable to record that call, where they threatened to phone you every 5 minutes. Please keep a log - date and time of calls and try to keep an accurate note of what was said.

[Gazza112]

Hi CitizenB

 

Yes, sounds like i've got them going.

I nether thought anythink at the time, as i was only trying to get a ballance transfer on my original card at a special 0% rate.

But yes they took my details over the phone to cancil the old card and set up a new card. I told them the tranfers i wanted on the new card, which i received a few days later.

 

Gaz

[sunflower99]

Hi Gazza !That is brilliant news for you that they probably never had a signed agreement but surely even if there was a recording of the call crapital one would still not have a leg to stand on! as you could have easily changed your mind! and without a signed agreement no proof of your acceptance of their card and its terms and conditions?and even though you got balance transfered to a new card surely in the absence of a legible correctly executed aggreement with both capital ones and your signature on it it is not an enforceable agreement?

Edited November 30, 2008 by sunflower99