cap1 card- sent to lowell dca and fredrickson. mum in a mess!

[tanya101]

hi all

 

In 2002 my mum was sent a letter with an application form for a Capital one credit card.

She signed the form and sent it back as she's never been offered credit before and was quite excited.

She was unemployed at the time as she is long term disabled.

 

She didnt sign an actual agreement, they just sent her a credit card.

It was a normal Cap1 credit card.

 

After a month it went up to a silver card, then a silver sleepy kitty card, then a gold card.

 

She was making regular payments and was well on top of it.

 

Then one month she was late with the payment and gained a £20 OL fee.

She carried on paying but then got another.

 

All together she had 4 over limit fees but continued to pay every month.

Her credit limit started at 1200 and was increased to 2600.

She called and said she didnt want it increased but they said she had to or she'd have to pay the full balance back.

 

The last payment she made to the card was £1090 in 2009. leaving a balance of £1567.

She could no longer afford to make payments.

She only went over the limit 4 times and paid more again the next month.

 

on the card she spent £3711.91.

she paid £5279.95

there was 2369.64 in purchase interest.

they say she owes £2868

 

Its been sent to lucas credit services, then lowell then fredrickson international.

 

Mums in a real mess and i wanna help but dont know where to start!

 

please help!

[dx100uk]

send freds a CCA request.

 

dx

[tanya101]

Hi dx, thanks for your reply!

 

I'm going to send one out first thing. My mum doesn't even know how to use a computer so ive got to do it all for her.

 

If they cant provide one (which i doubt they can) what happens next?

 

Thanks

T

[dx100uk]

they can go swivel!

dx

[citizenB]

Your Mum was misled when she was told she would have to pay the entire balance back if she didnt accept an increase. I would think it could be considered very irresponsible lending on their part.

 

Was there any PPI added to this account ?

[tanya101]

Hi guys.

 

She did have ppi as I remember asking her why she had insurance incase she lost her job when she wasn't as work. I was there when she cancelled it.

 

She doesn't have the statements for the first year or so of the account or the last couple of statements. So how would we know how much in ppi she paid? Would cap1 still have that info?

 

Thanks all, much appreciated!

[dx100uk]

you could try sending cap1 an SAR

 

they have been known to have historic data

 

then we can work it out or you can...

 

CISheet v101.xls

 

see mine or citb's links

[tanya101]

Ok cool. Thanks.

 

From just the statements she has she was charged £56 in over the limit fees. And the interest on this card is almost 40% now. She was also charged purchase interest when she hadn't bought anything.

 

The interest was 1.873% then suddenly rose to almost 30%.

 

It's all so confusing!

[dx100uk]

1.83 was per month, 30% APR is low too.

[tanya101]

Ahh ok.

As you can tell, I'm new to all this!

[dx100uk]

not a bother just ask

 

the more you read threads here

 

the stronger we become.

 

dx

[tanya101]

When I send the cca request do I do it in my name on behalf of my mum or as if my mum did it?

 

Also, I'm guessing you can't claim back unfair charges where they can't fulfil the cca request?

 

Thanks!

[dx100uk]

mums name

 

charges can still be reclaimed CCa or not

 

esp if it could kill the balance

 

dx

[tanya101]

My mum found a letter from December 2013 from Bryan Carter Solicitors which says "we have been instructed by Fredrickson International on behalf of Lowell Financial to act in connection with this debt which is overdue and it is now our intention to take steps to recover the balance outstanding from you"

 

I haven't sent the CCA request to Fredrickson, Im assuming I now send it to Bryan Carter Solicitors instead?

 

Any help would be greatly appreciated!

 

T

[dx100uk]

freds/lowells/carter all the same

just the next bloke and the next desk

in a diff coloured skirt.

 

send it to the owner lowells

 

dx

[tanya101]

ok awesome!

 

Thanks DX

[tanya101]

I also wanted to add that bryan carter convinced my mum she had to pay £10 a month to avoid court proceedings without ever asking if she could actually afford that.

 

She paid them 7 payments of £10 and then couldn't afford it anymore.

 

T

[dx100uk]

yep about right

 

spoofed on the phone!!

 

dx

[tanya101]

they really badgered her into agreeing to pay £10. never asked her to fill and income and outgoings form or anything!

[tanya101]

Sent postal orders in the letters and they're saying they can't accept them because they're nit named to them specifically. The other places I sent cca/SAR requests to accepted them just the same way!

 

Are they stalling? Do I need to get all new ones?

[dx100uk]

they are stalling

 

 

there is no need you sent blank po's

 

 

 

 

dx