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Frederickson/Capital One

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Hi all

Was wondering if any of you have had any dealings with Frederickson and Capital One?

 

My dh offered an 80% full and final settlement figure to Frederickson for Cap 1 debt and it was accepted.

 

Before he could pay he received a letter from Capital One saying that the debt had now been returned to them??

 

Any ideas as to what he should do?

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not blindly paying debts off first would be an idea

 

who was freds client

did he send a CCA request first?


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Hi Dx

Capital One is the client, and no I don't think he did send a CCA request.

Many thanks

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lucky boy he paid an OC then

NEVER EVER F&F a DCA!! if they OWN the debt.

 

the passing back means nowt

freds were totally powerless anyway...


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It has now been passed to Lowell's??? They want an Income/Expenditure. Not sure what we should do? Don't want to be taken to court

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look court would be long way down the line, even then if things went wrong a Tomlin Order could be an out for the case, lowells unless you are going to pay them need not have the income etc non of their business.

 

do not want to go to court?? we all say that in the beginning, not what you see on TV just a side room with desk and chairs and a person (Judge) sat ahead of you and that is all you and representative of you and claimant do not jump the fence and pay unless they prove conclusively that they are entitled to monies then wait as see the facts first?

 

have seen cases when lowells went to court to claim £14000 and they lost, it cost them a hell of a lot = that is why these days they tend to Discontinue court cases just before the case is due to be heard, if they can see they will get smashed in court read threads on lowells


:mad2::-x:jaw::sad:

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CCA request


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Hope you are not talking to powerless DCA's on the phone??

They are not bailiffs

And have zero legal powers


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Many thanks for reply.l

No, I haven't spoken to them but my husband has so I have taken over as I know a little bit (not much but more than hubby).

He is so frightened of being taken to court tbh and he has read somewhere that Lowells do take you to court. I will send CCA Request.

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Well tell him not to!!

Put the phone down after stating writing only

 

Get him to read my comments above

They are powerless

Stop him being a frightened cash cow!!

 

You could have had a nice holiday with all the money he has obv been wasting paying the DCA ..which is what they do with it themselves!!


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Hi everyone.

Well I sent the CCA request and received letter from Cap1 with a copy of the credit agreement that was signed online (digital signature).

They also enclosed a copy of his defaulted agreement and default notice dated Oct 2016.

 

They are saying they will not be entering into any further correspondence and that the agreement is enforceable and they will continue to treat it as such.

Also that payments must be made on the account.

 

However, when dh tried to log onto his account online it wouldn't let him, stating that he must ring them.

Anyone know what's next? SAR?

Thanks everyone for your time & advice x

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so who has this now lowells or cap1

that's std for cap1 to close the online portal


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Hi dx

It was sent back to Capital 1!! DCA's no longer dealing with it.

I received the CCA and T&C's but have no idea whether they are correct :| Should we SAR Cap 1 do you think?

Thanks as ever for your advice dx x

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when was the card taken out?


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then CCA was pointless really

as is an sar

unless you know there are lots of "12 penalty fees for being late/over limit

and if a card of that age I doubt it?

 

so where do Cap1 sit on this 80% F&F?


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Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

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They haven't actually said anything about the F&F offer (which was made to Fredericksons initially, but they handed it back to Cap 1). We should SAR Cap 1 then?

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do you think he ever missed payments or ever went over his limit?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

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Definitely missed payments - he has a default on his credit file

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so that could be the 20% off you are getting then?

do you have that accepted 80% offer in writing?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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No, it was Fred's who we F&F'd, but then they handed back to Cap 1. Do you think we should doing this with Cap 1? (seeing as Fred's obviously didn't tell them!)

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so it was accepted on the phone?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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No they sent an email asking why and they wanted an I&E

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Actually dx I will get a copy of the email from dh later and post it here for you to look at if that's ok?

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