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Cap 1 hassles


bigjohnk
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Ok here's the situation, about 2 months ago I finally paid the balance off on my Cap 1 card (sent a cheque 10 days before the due date to the value of the balance of that months statement)

 

I didn't hear anything for 2 months when I received a statement claiming I still own money on the account. I replied explaining the situation & that as far as I am concerned the account is paid off & I want the account closing.

 

I've now had another letter saying they can't close the account as there is still an outstanding balance & it has to be paid by the 30th of November.

 

What do I do?

 

Pay up & forget about it, ignore them & run the risk of them sticking a load of charges on the account or send the letter I have just drafted which reiterates the contents of my original letter & advises them that any further demands for money will be considered harassment & treated as such.

RBOS - Settled in Full

MBNA - S.A.R - (Subject Access Request) Sent, Data received, offer rejected, LBA sent, another offer made & rejected.Settled

CAP 1 - SAR Sent, Data received, offer rejected, LBA sent. Due to illness no further progress

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what does your online statement say?

 

what does the cra file say?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Never accessed it online as you have to give phone contact & I got sick of them phoning at all times of the day & night so I changed my number & refuse to let them have it.

 

How do I access CRA file?

RBOS - Settled in Full

MBNA - S.A.R - (Subject Access Request) Sent, Data received, offer rejected, LBA sent, another offer made & rejected.Settled

CAP 1 - SAR Sent, Data received, offer rejected, LBA sent. Due to illness no further progress

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in my sig

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Thanks, just signed up, waiting for pin code!

RBOS - Settled in Full

MBNA - S.A.R - (Subject Access Request) Sent, Data received, offer rejected, LBA sent, another offer made & rejected.Settled

CAP 1 - SAR Sent, Data received, offer rejected, LBA sent. Due to illness no further progress

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I've now had a look at my CRA file the statement balance for Sept is correct & is the balance I paid off, the balance for October shows as being the original plus interest & I'm assuming a late payment fee even though the cheque was sent well before the due date.

 

The puzzling thing is the status history for September & October are shown as being OK, so if I missed or had a late payment surely it would be shown as being in arrears?

RBOS - Settled in Full

MBNA - S.A.R - (Subject Access Request) Sent, Data received, offer rejected, LBA sent, another offer made & rejected.Settled

CAP 1 - SAR Sent, Data received, offer rejected, LBA sent. Due to illness no further progress

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might not been updated yet?

 

somethings amiss for sure

 

if its a PENALTY fee

 

as with everyone of those

 

get reclaiming !!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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