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Molliesmummy

Can we complain ?

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I wonder if I could ask for some help please?

Around a month ago I joined the boards asking for some help claiming back PPI

I was advised to write to my old accounts issuing to them a SAR. Both myself and my husband did this.

One of his past CC accounts was with Capital One so they had a SAR sent them them. Myself any my husband have been together 22 years and during that time have shared 3 homes together so all our previous addresses were listed.

Two days ago to my home address of 13 years a letter arrived in the name of my brother in his fully name but to my address. Mr brother lives 35 miles away and has never lived with us.

I would also like to make you aware that my Brother is sadly terminally ill with a brain tumour with just a couple of months to live.

I do not drive so yesterday went with my parents in my Dads car to visit my Brother taking along this letter. As you can imagine my Brother is very unwell and having daily Chemo and other treatments to try to give him more time. He opened the envelope and started to cry seeing that it was from a Credit Card company.

As a family we have slowly began to wind up my Brother affairs and my BrotherS memory is in no way accurate now. He got really worked up saying that he has never had a Capital One credit card and he owes no money. This got him in a very bad state. He many times questioned himself and had he forgot that he did hold such a card.

I asked to read the letter and it clearly states my Brothers FULL Christian name on this letter but my address. The letter thanks my brother for his letter to Capital One however they have been unable to enclose the documents requested as the signature on the letter does not match their records so then it goes on to mention confidentiality and asking for a copy of a current passport to be sent them at a given address to confirm identity.

Putting 2 and 2 together I explained that I thought this letter was in fact for my husband not my brother and told my now highly emotional brother I would take care of this. I would also like to point out that my brother does not have the capacity to write his own name now let alone type a SAR. All the way home in the car I got lots of questions form my parents about our current financial situation questioning are we about to go bankrupt. I am a very private person and would not wish to share our financial situation which actually is quite good to anyone let alone my parents.

Now id also like to point out that both my Husbands and Brothers Christains names both start with the same initial so for instance my Husband is A.B. Smith and my Brother A.C.Smith funnily enough im another A. Smith.

The SAR was signed by my Husband as A.B Smith and of course no mention of any other name. Mr A.B. Smith was also typed under his signature.

Im so angry about this. I've had to explain to my family and Sister in law our financial situation and ive made my dying Brother cry and upset thinking he was leaving a debt behind my family would need to find the money to pay off.

Can my Husband complaint to Capital One? What if anything have they breached here? Am I being too sensitive about the situation especially as its upset my Brother. I cannot think of any way they could have connected my Husband and Brother.

Please do ask if you need any further information and Kind regards

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Hi.

 

I'm so sorry to hear about your brother. Clearly he doesn't need this.

 

Do you think he would sign a letter authorising you or your OH to speak to Cap One on his behalf, if one is needed?

 

If the debt is only in your brother's name, I don't think the family will be responsible for it.

 

HB

 


Illegitimi non carborundum

 

 

 

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Hi Honeybee

There is no debt. This letter was sent to us in reply to a SAR that my partner not my Brother wrote. To see if we had PPI but needed to do a SAR request first.

For some reason theyve addressed my partners letter to my Brother.

As it was addressed to my Brother I passed the letter to him. Somehow Capital One have wriiten a letter meant for my partner but addressed it to my Brother at my home address. My Brother has never lived with us. I know it sounds unbelieveable but this is genuine

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Did you send a crack copy with the request?

  • Like 1

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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

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

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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dx - would you kindly explain what on is please?

 

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silly autospell

did you send a CTAX copy with the SAR?

 

  • Like 1

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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

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

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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Ive just Googled what a crack copy is and to be honest im not very computer savvy. All that was done was we took a SAR templete adding the correct details. So our past addresses. The letter was signed by my partner with the words A.B. Smith for example under the signature

Hes requested other SAR from other companies using the same template and weve had them through with no problems.

I cannot understand how theyve linked my parner and Brother especially as hes never lived here and lives a good 35 miles away.  But as I said my parner is A.B. and Brother A.B initial wise

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im asuming thats Council Tax copy no we didnt as I read that we wouldnt need to if the credit card was took at the same address that we do now

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really ...that's very bad of cap1 then.

ICO/ FOS complaint time and seek compo IMHO

  • Like 1

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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

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

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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2 minutes ago, dx100uk said:

really ...that's very bad of cap1 then.

ICO/ FOS complaint time and seek compo IMHO

should i have enclosed a C.T. bill please?

The credit card was held at our address that we currently live at around 5 years ago

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if the card was taken out where you presently live no ...no need

but you prob confused them then by listing unnecessary old addresses

  • Like 1

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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

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

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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Thread moved to Capital One Forum ..please continue to post here to your thread.

 

Andy


We could do with some help from you.

 

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

    Donate button Give something back to the Consumer Action Group   

 

If you want advice on your thread please PM me a link to your thread

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