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Eagle1977 VS Capital One


Eagle1977
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Hi

 

I've been having a clear out and

 

came across an old Capital One statement.

 

The statement is from 2000 and I closed the account years ago.

 

Is it possible to claim back mis sold PPI on an account this old?

 

I've probably got no end of charges on this too.

 

I think the account closed in 2006/2007 not 100%

 

Thanks

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yes of course it is. If you dont have all the statements start by sending a sar with £10 to Capital One

 

you need all the information before you lodge your complaint

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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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  • 2 weeks later...

Hi

 

This may be quite a strange question, but I can't seem to find an answer. I wrote to my credit card provider in 2012 via recorded delivery. I informed them I had changed address. They received the letter and it was signed for. They did not however change my address as I requested them to.

 

The credit card provider denies ever receiving the letter. Now the question is: do credit providers keep a hard copy of any correspondence I send them? Or is it just indicated on their activity log and the original letter disposed of.

 

I would really like a copy of this letter so need to know if they would keep a hard copy of the original?

 

Many thanks

 

Eagle

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probably do scan it

 

sar time?

 

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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Did you keep the signed for receipt ?

 

If not, then as dx advises, you should send a SAR - it SHOULD be recorded on their log - it is unlikely they would keep a copy of the original letter.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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As DX and CB say SAR it will be a different department that deals with the SAR and will just print out copies of all doc's etc. not even looking at them, they get so many SAR requests they cannot do anything else so you will probably get a copy of the letter.

 

 

dpick

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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As DX and CB say SAR it will be a different department that deals with the SAR and will just print out copies of all doc's etc. not even looking at them, they get so many SAR requests they cannot do anything else so you will probably get a copy of the letter.

 

 

dpick

 

Hi

 

Thanks for the reply, I have received the SAR but the letter I really wanted was not included, nor was it recorded on the activity log. I doubt vey much they would have kept it then

 

Eagle

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Hi

 

Thanks for the reply, I have received the SAR but the letter I really wanted was not included, nor was it recorded on the activity log. I doubt vey much they would have kept it then

 

Eagle

Hi Eagle,

 

 

Which card provider is this?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 4 weeks later...

Hi

 

I noticed I have a default from Capital One registered on Equifaxin 2010. I raised a dispute with Equifax and they received this reply from Capital One today

 

'Hello, I am unable to locate an account for Mr Eagle from the information received. Please could you supply an account reference and/or a date of birth to assist us further. Alternatively please call 0800 952 5143'

 

Can they keep processing the default if they are unable to locate an account?

 

Eagle

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It makes you wonder on what basis they are processing the default if they don't already have this information?

 

I would ask Equifax to put a notice of dispute on your Credit file until Capone sort themselves out ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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It makes you wonder on what basis they are processing the default if they don't already have this information?

 

I would ask Equifax to put a notice of dispute on your Credit file until Capone sort themselves out ?

 

It's quite bizzare, this is actually the 3rd reply from Capital One. The first reply said, they were passing the account onto their fraud team, and would reply to me within two weeks. A month had passed with nothing from Capital One. I contacted Equifax again. Another reply from Capital One said they are now passing the information onto their team of specialists and will contact me in due course. Then I received the 'can't locate an account reply'

 

Eagle

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