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CAP 1 Credit Card CCA Return help

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Hi again.

 

in relation to my debts here

https://www.consumeractiongroup.co.uk/forum/showthread.php?485755-From-Fee-Paying-Twinpier-DMP-to-DIY

I have received these replies from Frederikson/CAP1 following a CCA request, and wondered if you could give me any advice?

Convert Fred.pdf

CCA return .pdf

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as this is still? owned by the original creditor I would say that is enforceable.


please don't hit Quote...just type we know what we said earlier..

 

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Thank you dx. I am not in a position to pay this debt and so will have to negotiate a monthly payment.

 

I have no details of where my cheques were being paid (Frederikson?) and so will have to make a call.

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no you write to cap1 [ignore the powerless DCA]

look in the debt collection section of the library for the appropriate pro rata letter.


please don't hit Quote...just type we know what we said earlier..

 

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Account number still showing on Default Notice.....uploads unapproved

 

Default Notice is invalid.....should be 14 days and the date stated for rectifying breach...not 28 days from the date of this notice.

 

 

Andy


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ive sorted that attachment.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

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I am just about to send a letter requesting bank payment details so that I may continue to pay this debt as it appears enforceable. Does anyone think I should do otherwise?

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Thank you dx. I have been paying this debt off at £5 per month on a DMP since 2012 but now I am going it alone. But I don't have their bank details. Can I not expect CAP 1 to continue accepting this amount or should I send (another) I & E as per your link in the previous post.

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no need then

simply phone cAP1 AND ASK them


please don't hit Quote...just type we know what we said earlier..

 

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Called CAP 1 today and requested payment details and they referred me to Frederickson. Guess I'll have to call them even though they're not the OC because the debt is enforceable?

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no don't entertain freds

gives them a false since of power when they have none.

 

on your online banking portal

where you select who to pay

it usually has a pulldown list of people that you can drill thru and select

is cap1 not listed there?


please don't hit Quote...just type we know what we said earlier..

 

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Yes, thank you dx. Now paying CAP 1 direct. No fee-paying DMP. no DCA.

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