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  • #1

    Capital One Reconstituted Agreement

    I'm reading these threads with great interest.

    My parents have a situation on their hands with various debts and things. My Dad suffered a heart attack after 45 odd years as a Scaffolder and they fell behind on their credit cards. As it so happens, all defaulted and they're paying them back monthly ever since with the rather meager scraps they have coming in.

    I recently told them to get CCA requests off to their creditors. Well, Capital One came back with what looks like the terms and conditions pages that everyone is talking about, complete with a signed Credit Agreement. To my (totally untrained) eye, this looks enforceable to me. However, I just thought to check. I take it the presence of a signed page as part of the reconstituted agreement is pretty much signed and sealed?

    (Great site by the way! It's nice to finally see a good crowd of knowledgeable people without the finger-wagging attitude!)
    Tags: account, advice, cap, capital, capital one, cards, cca, comi, credit, credit agreement, credit cards, creditors, date, debt, debts, defaulted, delay, eye, forced, interest, niddy, parents, prescribed terms, scare, terms and conditions
  • #2
    Re: Capital One Reconstituted Agreement

    They need more than the signed part of the agreement, they need the correct terms and conditions from the date the account was opened, they need terms and conditions that are most current, and they need the prescribed terms from the time the account was opened.

    The only way to truely know if its enforceable is to send it over to Niddy to look at.
    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

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    • #3
      Re: Capital One Reconstituted Agreement

      Agree. I've had agreements back that I thought were enforceable but Niddy said "No"

      Email to Niddy to see what he says User Guide - Sending your Agreement to Niddy - allaboutFORUMS

      Why not start a diary for your parent's debts?
      Let your smile change the world but don't let the world change your smile

      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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      • #4
        Re: Capital One Reconstituted Agreement

        Agreed off to our fab leader asap Cap one loveto scare us xxxxxxxxxx good luck
        if you do it today and you like it you can always do it again tomorrow

        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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        • #5
          Re: Capital One Reconstituted Agreement

          Originally posted by SXGuy View Post
          They need more than the signed part of the agreement, they need the correct terms and conditions from the date the account was opened, they need terms and conditions that are most current, and they need the prescribed terms from the time the account was opened.

          The only way to truely know if its enforceable is to send it over to Niddy to look at.
          Definitely get it checked and follow the advice from AAD. Before finding this site my knowledgeable local DJ enforced a reply slip from Cap1 with a separate leaflet of t&cs
          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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          • #6
            Re: Capital One Reconstituted Agreement

            Emailed Niddy.

            I've got a tonne of coursework on so just getting each thing done as it comes. But yes, I'll certainly post up any news!

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            • #7
              Re: Capital One Reconstituted Agreement

              Originally posted by sulphur2001 View Post
              Emailed Niddy.
              Sorry for the delay mate - have replied to email as you've blanked it all out.
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