Capital one - Robinson way Diary

[sam]

Re: Capital one - Robinson way Diary

Its up to you, carry on ignoring them or send that letter from above!

Thanks Niddy.

I answered the phone today to them and said that why are they phoning this number as I have never heard of this person!!

[Never-In-Doubt]

Re: Capital one - Robinson way Diary

Thanks Niddy.

I answered the phone today to them and said that why are they phoning this number as I have never heard of this person!!

Nice one - well done

[sam]

Re: Capital one - Robinson way Diary

Received this one from them today!!
Now it says defaulted in 2008 yet the default on my credit file is 2006.
I last sent a payment Feb 2007 via CCS.

[sam]

Re: Capital one - Robinson way Diary

Forgot to ask, do I just ignore it still?

[Undercover Elsa]

Re: Capital one - Robinson way Diary

Hi Sam,
See what Niddy says, but I would think that you can safely ignore that..it's just a Notice of Arrears - a document they have, by law, to send you every 6 months. (If they fail to do so they can't enforce the debt or claim any interest due for the period that they don't comply)

kind regards,
Shepherdess x

[Never-In-Doubt]

Re: Capital one - Robinson way Diary

Hi Sam,
See what Niddy says, but I would think that you can safely ignore that..it's just a Notice of Arrears - a document they have, by law, to send you every 6 months. (If they fail to do so they can't enforce the debt or claim any interest due for the period that they don't comply)

kind regards,
Shepherdess x

Exactly, I agree with you - its just the statement and can be ignored.

[sam]

Re: Capital one - Robinson way Diary

Hi,

I got the letter below today from IND threatening legal action.
Now i've done a CCA on this Capital account in 2008 and they sent no CCA only statements!
What do I do write to these people and tell them I know nothing of this debt and that I've asked for a CCA before and not been supplied one????

[Deepie]

Re: Capital one - Robinson way Diary

Hi,

I got the letter below today from IND threatening legal action.
Now i've done a CCA on this Capital account in 2008 and they sent no CCA only statements!
What do I do write to these people and tell them I know nothing of this debt and that I've asked for a CCA before and not been supplied one????

I,ve deleted your letter because you had all youe personal info on ..please deleat your name & address and re do......

[Deepie]

Re: Capital one - Robinson way Diary

send them this > Threat by Creditor - Threat-o-Gram Letter Before Action

[pompeyfaith]

Re: Capital one - Robinson way Diary

I've deleted your letter because you had all your personal info on ..please delete your name & address and re do......

You can do this easily by loading the document into windows paint and then use the rubber to rub out personal info.

Save to a folder of your choice then upload here.

Regards

[sam]

Re: Capital one - Robinson way Diary

I,ve deleted your letter because you had all youe personal info on ..please deleat your name & address and re do......

Thanks for the delete..

[sam]

Re: Capital one - Robinson way Diary

send them this > Threat by Creditor - Threat-o-Gram Letter Before Action

Will this not start the SB clock ticking?

[Never-In-Doubt]

Re: Capital one - Robinson way Diary

Will this not start the SB clock ticking?

Not at all! Send that, it's fine.... ONLY acknowledging the debt and/or paying into it will reset statute barred.....

Our templates and that one in particular does not mention "my account" or "my debt" does it? You're simply telling them that the account is in dispute and if they take action you'll consider suing them and/or defending their claim as vexatious......

it's the wording that is king

[sam]

Re: Capital one - Robinson way Diary

Thanks..
Will send recorded tomorrow.