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  • #46
    Re: Capital One

    Hi Guys

    I have also just checked through my paper work and Iqor have had this debt passed to them previously in March 2011 and I sent them an account sold whilst in dispute letter and they thanked me for my correspondence and I never heard anything from them again.

    Regards
    BW

    Comment

    • #47
      Re: Capital One

      Just sit tight and chill as I2D says.

      Sounds like IQOR are just collecting, or you would have had a notice of assignment.

      Post again when IQOR contact you

      Comment

      • #48
        Re: Capital One

        Thanks Guys,

        I will chill out and wait to see what happens next

        Comment

        • #49
          Re: Capital One

          Originally posted by Flowerpower
          By the sounds of it, Iqor probably have no record or recollection of them having handled the account before, or they wouldn't have taken it on again!
          Classic!
          When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


          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.

          Comment

          • #50
            Re: Capital One

            Hi Guys

            Again its been a while, so I thought I would update you on what has been happening.

            First of all, no contact from Iqor until 29th April saying that they have been in touch with HBOS and they have been told the dispute has been resolved and will be contacting me with regard to the account, then on the 2nd May a letter from GPB solicitors threatening legal action if I do not pay IQOR, I sent a legal threat letter out to them on the 3rd May and have received a reply saying the account is on hold and they will contact there clients.

            I have not sent them a copy of the letter from HBOS saying they do not have a copy of the agreement yet, I will wait and see what happens.

            On a totally separate note, I have had a letter from Cabots about an old CITI card that I have not paid since January 2010, enclosing in their words a "reconstituted true copy of your credit agreement"

            Now the first thing that strikes me is that the agreement has Opus on it, which I know took over the CITI cards and I know I have never signed anything as the account was in dispute with CITI at the time, who never complied with my request for my credit agreement.

            I am not sure how to move forward on this as they say they can begin enforcement, but would rather come to some agreement to pay. I have also not had any contact on this account since April 2011 when I sent Opus an account sold in dispute letter.

            Has anybody any suggestions on the way forward, do I need to send Niddy a copy of the "reconstituted true copy of your credit agreement"?

            Many thanks
            BW

            Comment

            • #51
              Re: Capital One

              Originally posted by bwbrownie View Post
              Has anybody any suggestions on the way forward, do I need to send Niddy a copy of the "reconstituted true copy of your credit agreement"?
              BW
              I would mate. agreements@all-about-debt.co.uk

              Good luck, fingers crossed for you!
              When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


              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.

              Comment

              • #52
                Re: Capital One

                Yep, I'd send it unedited to Niddy: agreements@all-about-debt.co.uk
                Don't forget to put your username in the subject line, and a link to your thread

                Elsa x

                Comment

                • #53
                  Re: Capital One

                  Whhooo faster than me Missy!

                  Comment

                  • #54
                    Re: Capital One

                    Many thanks Guys,
                    Doing this now.
                    Regards
                    BW

                    Comment

                    • #55
                      Re: Capital One

                      I have just emailed it across to Niddy

                      Regards
                      BW

                      Comment

                      • #56
                        Re: Capital One

                        I'll try and look tonight
                        I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                        If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                        Comment

                        • #57
                          Re: Capital One

                          Hi Niddy

                          Great, many thanks
                          BW

                          Comment

                          • #58
                            Re: Capital One

                            Originally posted by Undercover Elsa View Post
                            Whhooo faster than me Missy!
                            lol. lucky that time!
                            When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


                            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.

                            Comment

                            • #59
                              Re: Capital One

                              Hi Niddy

                              I forgot to say that the original CITI card was taken out pre 2007, but I am not sure exactly when (maybe around 2003) I will try and check over the weekend as I have a box of old statements in the attic.
                              Thanks
                              BWbrownie

                              Comment

                              • #60
                                Re: Capital One

                                Originally posted by bwbrownie View Post
                                Hi Niddy

                                I forgot to say that the original CITI card was taken out pre 2007, but I am not sure exactly when (maybe around 2003) I will try and check over the weekend as I have a box of old statements in the attic.
                                Thanks
                                BWbrownie
                                Hiya

                                Did I reply to your email....? I thought I replied to all outstanding emails through the week? If not my apologies, will log in tonight and deal
                                I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                                If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                                Comment

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