Power2contact/ my Cap1 Debt

[Old Cogger]

if they knock - ignore.

[jboyd83]

Ok, ignore or give em a swilling.....Will they shout obscenities through my letterbox in either event?!!!! God that would be mortifying if the neighbours heard tem asking for money

[Desperate Daniella]

did it say they will visit or call wednesday? if visit and if ever they did, suggest you go upstairs with a bucket of contents from pot under bed and sluse it out of the window at an appropriate time>?

 

My grandfather actually did that once. It must have been in the 30s when my mum was a little girl. She clearly remembers him doing it to people who were making a suspicious noise outside. He thought they were burglars. They left with more than they expected.

[jboyd83]

Actually!!! it does say 'I will be calling....'

[Desperate Daniella]

Firstly try and ignore the bell.

 

If they persist and you are worried about the neighbours hand them the "Doorstep" letter through the letter box.

[Desperate Daniella]

The Doorstep letter is in the Library in the Debt section

[Old Cogger]

Actually!!! it does say 'I will be calling....'

 

 

 

Telephone!? like RMA sillyl C. Green Cards, thought so. carry on ironing!

[jboyd83]

Love this forum, makes me feel like I can take on the world when Ive got you lot to back me up

[jboyd83]

I think I just automatically thought 'calling' was a doorstep visit but possibly not....oh well whatever they do they'll be ignored either way

[Old Cogger]

Love this forum, makes me feel like I can take on the world when Ive got you lot to back me up

 

 

 

send the doorstep letter as D.D, states and your further covered, no need to mention asking for Mansion Red Lead Paint for the step.

[Old Cogger]

I think I just automatically thought 'calling' was a doorstep visit but possibly not....oh well whatever they do they'll be ignored either way

 

 

 

That is what they hoped you do and then ring them!! all part of the threatogram - the idiots.

[jboyd83]

Hi all, I have just received my 'bumf' from capitalone regarding my SAR.

 

There is sooooo many pages of information I havnt a clue where to start..

 

..there are screen dumps, copies of letters to and from and also a list of statements and ins/outs.

 

Can someone please point me in the right direction what I do with it now (as in claiming back or whatever I am supposed to do) as I am a bit overwhelmed?

[dx100uk]

look for FIXED sum penalty fees and PPI in the statements

 

go any?

 

late/over/letter/phonecall?

 

dx

[jboyd83]

Thanks DX, yes I have some PPI, some late payment fees etc...

[citizenB]

Thanks DX, yes I have some PPI, some late payment fees etc...

 

In which case you need to start completing the spread sheets. You will find the PPI information in the links in dx's signature and also the spread sheet that you need to complete.

 

Charges and PPI should be two separate claims.

[jboyd83]

Hi all,

am I correct thinking I may have to pay court fees for claiming these charges back?

 

I have also just received a letter from Fredrickson International 'letter before action' regarding said debt.

 

Not sure how to proceed....definitely don't have the money if its going to cost me an initial outlay to try and claim such charges back....?

Any advice?

[dx100uk]

not unless they refuse and even then it wont cost much.

cap1 typically cough on charges/ppi anyhow without ccourt

 

did you get that spreadsheet done?

 

dx

[Desperate Daniella]

You won't need to pay court fees to reclaim charges.

 

What exactly did they send you as the Credit Agreement? You need to post it up, removing all personal details.

 

Have you totalled up all the charges?

[jboyd83]

I have to be honest Dx I havnt done it.

..I have so much on my plate right now I'm feeling totally overwhelmed,

 

I have coursework deadlines to meet by the end of this month or I wont get into uni next year,

allsorts that needs done in my home as we havn't long moved house and so many debtors who need seeing to that I just keep avoiding it

all because there's so much info to take in.

 

I think I'm going to have to take the view to tackle these Cap1s at the minute and forget the rest for now.

 

I could cry when I look at the pile of letters that I keep stapling to each other...it just feels like a never ending task.

 

Anyway, that's my whinge over,

 

I have a roof over my head and a lovely family which is a damn site more than some do and I'm certainly nt the first to be feeling like this.

 

Need to stop avoiding and start doing.

Thanks a lot.

[Desperate Daniella]

I do know how overwhelming it is, but if you don't respond they may well start proceedings and that will be a lot worse to deal with.

 

Just try and decide what you will deal with on each particular day and make a list. Doesn't matter if you don't finish all the tasks; at least you will have done some.

 

Obviously the coursework deadlines are very important too, but this Cap1 situation isn't going to go away so, as you say, that has to be tackled now.

[jboyd83]

Right,

 

I have looked on the main forum for the spreadsheet as I wasn't sure which of Dx's signature links it was

...I got to a wiki link but I don't know exactly what I'm looking for .

 

I have found a 'Credit Card excel spreadsheet' sticky..

..it seems very straightforward,

is it really as easy as putting the charges in and it will calculate?!!!!

Is this one it?

 

http://www.consumeractiongroup.co.uk/Spreadsheets/England/BankChargesOO.ods

[Old Cogger]

and the correct % rate i.e. that they charge you 24.4% or whatever

[jboyd83]

So, the general rate that they charged me on purchases etc? Say it was 34% or something along those lines?

 

and PPI reclaiming is separate isn't it?

[Old Cogger]

So, the general rate that they charged me on purchases etc? Say it was 34% or something along those lines?

 

and PPI reclaiming is separate isn't it?

 

 

that is it then

[jboyd83]

Thank you all very much, maybe not as daunting as I thought....seems quite simple

I will shout if I need a hand...