Capital One CCA Agreement Is This O.K.

[B733]

Hi had letter from Cap1 saying this agreement was enforceable but having read around the site seems that is not always the case - any advice would be much appreciated Thanks

[dx100uk]

what is the #V number of the 2001 lot

 

 

its a bit blurred overall

 

 

each T&C's should be about 6 pages not 1 by the way.

 

 

and that's the typical foldover application form too

 

 

well known to be very dodgy if not accpmanied by the correct T&C's

 

 

is this still with CAP1 and not a DCA?

 

 

dx

[theoldrouge]

when you first took out the card were you charged an annual fee every year?

 

if you were t&c #10 Financial and Related Particulars is not correct

 

and therefore the pt's would be incorrect in their recon

[B733]

Hi DX & theoldrouge thanks for your replies - thought I'd got the uploads sorted but perhaps not - using a combination of friends ipad & local library so can be difficult!

 

The 2001 lot number is v6# - there are 5 pages in total which I can see when I click on the uploaded cca2001.pdf

but I must have done something wrong so it does not show up for other people?

 

I was looking af CookieRocks thread and his is a v6 agreeement too but on page 2 his shows a breakdown of interest rates

but mine does not but his date is 2002 so perhaps different

The late charges etc on my v6 are all £15

 

The application form has a tick box for if you do not want to proceed with balance transfers and this is ticked

- can't really remember how I applied for this card but just wonder if this is a follow up to original application

 

This is still with Cap1 - went into default approx 2006 and started making reduced payments - actually got a default notice in 2009 - it's just fallen off my creit file

 

Ii don't think there was an annual fee but not 100% sure

[dx100uk]

if you want an email address to send the jpgs to ask

 

 

dx

[B733]

Hi DX email address would be great Thank You

[dx100uk]

here a better copy via email

[dx100uk]

and the other PDF's in one file

[B733]

DX100 Thank you very much for getting this on for me - really appreciated

 

Just had letter from Cap1 wanting income/expenditure bank statements etc etc

 

Any advice on Cap1 CCA would be helpful before I sort all that out Thanks!

[theoldrouge]

Away till Sunday will compare them then

 

for you

[B733]

Hello theoldrouge just wondered if you have had a chance to look at my Cap1 stuff Thank You

[theoldrouge]

yes, the t&cs are the correct ones for 2001, so they have complied with s78

 

your argument would be over the pt,s not being present at the time of signing the app form (s60/61)

 

if it should go to court, it would very much depend on the judge on the day

[B733]

O.K. thanks very much for your time on this

Did think as this still with Cap1 it might be the case

Once again thanks for your help - very much appreciated