Good bye Debt - Hooker Acc's

[Hooker]

Thanks , agree

[Hooker]

Dear Roger

Quick question on website admin'

I have been updating my posts on each card ... does this show up as new activity ?

H

[Warwick65]

There do seem to have been problems with email alerts but I am noe getting them so hopefully all fixed

[The Tech Clerk]

yes there was a blip, sorted

[Hooker]

Great , thanks for confirming

H

[Hooker]

In case this hasn't appeared in my posting activity I have updated my Capital One diary with details of a letter from Capitol providing copy of a signed agreement.

I would appreciate advice on next steps please

H

[Warwick65]

I am a bit confused, here you say it is a signed copy but on your cap 1 diary entry you say it is reconstituted.

Anyway, there is a lot more to it being enforceable than just the agreement , mine was from late 2005 with Lowell and they lost in court because they could not show the account had been defaulted or I had been sent a default notice

As for them saying it is enforceable - well they would say that wouldn't they .
Maybe they have complied with S78 but there is a bucket load more, especially fro pre 2007 debts

[Joanna Connolly Solicitors]

Capital One (Europe) Ltd Credit Card ****770

• Date commenced - 16/02/2005
• Approx balance at default - £11,344
• Default - 22/01/2013
• DMP commenced with Debt Advisory Line 01/04/2013
• DMP transferred to Gregory Pennington ( DAL take over) December 2017
• Last payment to GP - September 2018
• Account owner - Capital One (Europe) Ltd
• Balance - £6,764
• Status - Default

CORRESPONDENCE

1. SAR letter sent to GP - 15/10/2018
2. Email response from GP - 03/11/2018 including summary of debt ie Owner , balance & reference
3. Email to GP 03/11/2018 - SAR letter attached and request for release of all information held
4. 77-79 CCA letter sent 6/11/18
5. 13/11/2018 - Letter from Cap' One - "Thank you for telling us about your financial situation " ..." We can help get you on track with one of our payment plans..". " Please return completed form". Assume I ignore ?
6. 20-11-18 Letter from Capital enclosing ' reconstituted copy' of original agreement & scanned copy of signed page .Statement that my agreement is enforceable & that it will be treated as such . Account is in default.

Send the documents from Capital One to Niddy for an opinion of whether it's enforceable or not using this email address webmaster@all-about-debt.co.uk

Capital One can be slow to assign their debts but it may end up with Lowell eventually.

Di

[Hooker]

Thank you both

I will send the documents which include a copy of a signed document which they refer to as 'reconstituted'.

Regards

H

[Hooker]

Quick question on 'protocol' .... when sending documents to Niddy should I affect them so that my personal details are removed .

I am easy either way but thought I should check

H

[The Tech Clerk]

as they are no redaction Niddy is the only person to see them and is an authorised person for purposes

[Hooker]

Thank you , I will send shortly

H

[Hooker]

Thank you to Niddy for reviewing the Cap' 1 documents.
Initial advice is that it looks UE and is should be easy to find further faults.

Should I be responding or taking other action ?

H

[Roger]

Thank you to Niddy for reviewing the Cap' 1 documents.
Initial advice is that it looks UE and is should be easy to find further faults.
Should I be responding or taking other action ?
H

The new thinking is not to alert them to an UE CCA we don't want them to Reconstitute a CCA that is EN!
So silence is the order of play here. Post up any letters they send and you will receive advice.
But that's really good news!

[Hooker]

Thanks , I will sit tight

H