Cap 1 debt. Lowell / fredrickson int - now Bryan Carter threatening court.

[2ltr16valve]

Hi all

 

Had a letter this morning from our friend Mr Carter.

 

I had a cap one secured card (£50 deposit) a while ago and when I become ill I couldn't pay it. I was in and out of hospital so didn't contact cap one and they closed the account.

I called cap one about 9 months ago and offered to make a payment arrangement to which they refused - told me to contact Lowell which I had no inclination to do. They outright refused payment.

 

The debt is for a little over £200. I can't pay it in one go, would have to be something like £10-15 pm if I pay it.

 

What do I send him ? I am unsure of how the amount has come about as well.

Got to reply by 18 th dec.

 

 

Ty in advance.

[Bazooka Boo]

I also have Lowlifes and Bryan Carter after me for two cap one cards...

 

BC is extremely sneaky, and I wouldn't advise ignoring him at all, as he will always gofor the easy targets and obtain a judgment by default.

 

The best way is to defend everything and respond to all his puerile computer generated garbage, this usually gets rid of him.

 

Have you reclaimed all of the fees and charges they have added? (Cap1)

 

Send BC the ''in dispute'' letter in the library above (green writing) and send Cap1 a letter stating that due to hardship you wish to reclaim all of the fees charges and interest on the account, and as a gesture of goodwill (GOGW) you will set up a payment plan with them.

 

Do it all in writing, NEVER discuss this over the phone with them, you need a paper trail of evidence..

[2ltr16valve]

Okay cool. So letter of dispute to BC, what reason do I state ?

 

Cheers again

[fkofilee]

Check for the CCA with him.

Could be interesting...

[2ltr16valve]

Check for the CCA with him.

Could be interesting...

 

Was an online one, although sure I sent paperwork back as was secured card.

[fkofilee]

Yes but they are still obliged to supply a copy with the usual £1 fee etc

[2ltr16valve]

Okay so send cca request to bc ?

[fkofilee]

I would indeed

[2ltr16valve]

am I correct in that its s78 of cca ?

[2ltr16valve]

I also have Lowlifes and Bryan Carter after me for two cap one cards...

 

BC is extremely sneaky, and I wouldn't advise ignoring him at all, as he will always gofor the easy targets and obtain a judgment by default.

 

The best way is to defend everything and respond to all his puerile computer generated garbage, this usually gets rid of him.

 

Have you reclaimed all of the fees and charges they have added? (Cap1)

 

Send BC the ''in dispute'' letter in the library above (green writing) and send Cap1 a letter stating that due to hardship you wish to reclaim all of the fees charges and interest on the account, and as a gesture of goodwill (GOGW) you will set up a payment plan with them.

 

Do it all in writing, NEVER discuss this over the phone with them, you need a paper trail of evidence..

 

I have found the cca template but can not find the in dispute template.

 

Also, from memory cap1 refused to take payment on the basis they had sold the account or something like that.

So, if Lowell own it is it them I should be sending the refund of charges letter to ?? and also where do I find this letter plz

New to this tactic.

 

ty in advance

[Bazooka Boo]

A simple letter to BC stating that ''this account is in dispute with Cap 1, the figure you quote is incorect, no further correspondence will be entered into with yourselves''

 

Start the complaints process with Cap1, and reclaim all of their charges including interest. Then set up a repayment plan with them, £1 a month is all that needs to be paid on a non priority debt, unless you can throw anymore money at it?

[2ltr16valve]

A simple letter to BC stating that ''this account is in dispute with Cap 1, the figure you quote is incorect, no further correspondence will be entered into with yourselves''

 

Start the complaints process with Cap1, and reclaim all of their charges including interest. Then set up a repayment plan with them, £1 a month is all that needs to be paid on a non priority debt, unless you can throw anymore money at it?

 

 

Is there a template for the cap1 charges complaint ?

I dont have statements either as i had a lot of trouble with the Ex around the same time and was removed by malicious court orders !

[dx100uk]

sar time to cap1 then to get all the statements

 

 

dx

[2ltr16valve]

sar time to cap1 then to get all the statements

 

 

dx

 

£10 not got at min will cca and in dispute stop Carter in his tracks till after new year so I sar cap1 then ?

[dx100uk]

fire him off a CCA request then.

 

 

dx

[dx100uk]

BLANK £1 PO

do not sign anything.

 

 

dx

[2ltr16valve]

BLANK £1 PO

do not sign anything.

 

 

dx

 

Do I not write anything on po then ? Along lines of only for use as admin fee in supplying cca ?

[dx100uk]

up to you.

 

 

dx

[2ltr16valve]

up to you.

 

 

dx

 

Just wrote account number on back of it. An had it crossed

[dx100uk]

thoughtyou were goingto add feestatutory fee only.

 

 

account number will make them pay it off the account surely

 

 

crossing it too stops them changing payee if you've named one?

 

 

dx

[2ltr16valve]

thoughtyou were goingto add feestatutory fee only.

 

 

account number will make them pay it off the account surely

 

 

crossing it too stops them changing payee if you've named one?

 

 

dx

 

 

On cca letter it states the payment is only to be used for admin costs in processing the request.

It's stapled to that letter.

 

I didn't put a payee in case the po needs forwarding to Lowell or cap1 ?

Never done this before.

Did send signed for tho and got both receipts.

[2ltr16valve]

Now getting automated phone calls from "Bryan Carter"

[Bazooka Boo]

Now getting automated phone calls from "Bryan Carter"

 

Tut tut!

Lodge the usual complaints to those who purport to police this industry.

And send the fool the harassment letter, keep a diary of events.