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i sent cap1 a docs sick note but they sent me a Default notice question


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I have been off work for months and got behind with my credit card payments.

 

I sent capital one a valid sick certificate signed by my doctor and in return the sent me a default notice.

 

I was wondering if they can do this seeing as they had a sick certificate.

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The only time you would be required to send a Sick note would be if there were PPI attached to the card product.

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What should happen is that Capital 1 update your credit file with arrangement to pay and you then make reduced payments and interest frozen. The problem is that it is far to easy now for creditors to terminate and sell the account to a debt collector. The original debt is then wiped and tax relief claimed. Win win for everyone except the debtor

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Hi, some comments below (in red)

 

I have been off work for months and got behind with my credit card payments.

 

Did you pay anything in these months? Did you inform them that you wouldn't be able to make full payments?

 

I sent capital one a valid sick certificate signed by my doctor and in return the sent me a default notice.

 

When did you send the sick note? At the very beginning or later?

I was wondering if they can do this seeing as they had a sick certificate.

 

Sending them a sick note means nothing unless they asked for proof of illness

 

Just for clarity, If you had contacted them and then made an arrangement to pay then (unless the amount was so small as to amount to a token payment) then no default notice would (or should) been sent,

If you made token payments or no payments at all then they are well within their rights to default you, sick note or not.

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  • 3 weeks later...

Following an accident I have been off work for ages and fell behind with my payments to capital one.

 

Isent them a valid sick note signed by my doctor

 

the moment they got it they issued me with a default notice

 

now they threatening me with debt collectors.

 

I was eondering if they can issue a default notice when they have had proof I am ill from my doctor.

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Yes this is normal as you are in default.

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Threads merged

These questions have already been answered

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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angel, you are going to have to get in touch with either Capone or the new DCA and enter into a payment arrangement, until such times as you can resume full payments.

 

Sadly, you will now have this default recorded for the next 6 years ( from the date it was first entered ) and you will have lost the use of the card.

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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