Cap One and CFS Holdings

[whiz4567]

Hi

 

Requested an SAR first week in Novenber usual £10 fee enclosed

 

needless to say Cap One did not honour the request and since then have sold the debt to CFS Holdings.

 

Received a phone call from CFS last week re the debt with Cap One

 

I explaned that an SAR was sent to Cap One in November,

 

when the caller heard this he became anxious and started to stammer and really had no answer.

 

Following this telephone conversation the SAR arrived two days later.

 

I have had numerious calls from CFS and also letters the most recent came this morning

in the form of a card informing me that someone will be calling on Wednesday between 9am and 9pm

 

also received a phone call from CFS this morning

 

when I explaned about the caller coming on Wed they knew nothing about this.

 

What do I do I have not had an oppourtunity to go through the SAR.

 

HELP.

 

Dessie

[dx100uk]

firstly STAY OFF THAT PHONE!!

 

never EVER talk to a spoofing DCA

 

they are NOT BAILIFFS and have

NO SUCH LEGAL POWERS.

 

as for the Mr Green [i bet caling]

 

its a spoof too

 

now why did you SAR cap1

 

looking at reclaiming?

 

dx

[whiz4567]

Hi

 

I intend to claim from Cap One in full.

 

I contacted CFS this afternoon and made an offer of £20.00 per mouth this was declined and I was told that I would have to pay min amount of £58.78 per mouth.

 

They refused to negotiate despite the fact I was explaning that I was showing a willingness to pay no matter how small the amount.

 

They then offered to put me in contact with a debt management agency and give me a contact number which I didn't take down.

 

I am continuing to receive phone calls on a daily basies and also letters some of which are quite threatening,

 

I understand they have no power and being from N Ireland I am fully aware that bailiffs are not covered by N Ireland law.

 

To be honest I find these people (CFS) quite unreasonable and very unwilling to accept any form of payment even if you explan that only one member of the household is working.

 

Dessie

[dx100uk]

please stay off the phone!

 

dx

[whiz4567]

Ok

 

I intend to put a claim in against Cap One for unfair charges and interest (there is no PPI) have went through the SAR what is my next course of action. Also how do I deal with the phone calls and also the doorstep caller (I have checked this caller is from CFS) The phone calls are one/two per day and sometimes a text message requesting I contact CFS.The phone calls are starting to cause extrem stress.

 

Dessie

[whiz4567]

I intend to put a claim in against Cap One for unfair charges and interest (there is no PPI)

 

have been through the SAR what is my next course of action.

 

Also how do I deal with the phone calls and also the doorstep caller (I have checked this caller is from CFS)

 

The phone calls are one/two per day and sometimes a text message requesting I contact CFS.

 

The phone calls are starting to cause extrem stress.

 

Dessie

[whiz4567]

Sorry about the two same postings

[dx100uk]

you could send the harrassment letter from the library green tab top left

 

please dont entertain them in any way shape or form.

 

they are NOT BAILIFFS

 

and have NO SUCH LEGAL POWERS.

 

doorsteppers, just tell them to leave your property

and call the police

 

you are under NO LEGAL OBL

to discuss financial matters with any bloke in a dirty mac

carrying a clipboard.

 

as for the reclaim

 

fill this in..

 

This fourth spreadsheet is useful in calculating a regulatory based compound interest award for PPI on a Revolving Credit Account. Not all statements are required for this sheet because it will work out the compound interest on the PPI payments you do know about. It will not work out the additional 8% interest, to do that you will need spreadsheet three above AND all of your statements.

 

FosCISheet v101.xls

 

 

cap1 are coughing nicely at present

 

dx