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  • #16
    Re: Capital One/Cougar Financial Services

    The moment you make any form of s78 request or SAR then most financial institutions go into defensive "complaint" mode. They know a significant proportion of their documents and processes are defective and probably unlawful and it is a way of holding you at arms length for a bit longer. (And of course extending the grief they can give you)

    Sit and wait now, the ball is firmly in their court would be my approach now

    regards
    Garlok

    Comment

    • #17
      Re: Capital One/Cougar Financial Services

      Thanks Garlok. I was just wondering what it meant that CFS are putting teh acount in dispute with C1 over my payment plan?

      But yes, will sit tight and ignore C1's and CFS's letter but it would now explain why they want my signature again

      Comment

      • #18
        Re: Capital One/Cougar Financial Services

        Just wait and see, if you're unsure on anything then give them a call - after all you're paying £300 per month!
        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

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        • #19
          Re: Capital One/Cougar Financial Services

          Thanks Niddy, I will just wait and let them come back to me. I shall update as and when I hear anything

          Comment

          • #20
            Re: Capital One/Cougar Financial Services

            Good Morning Hope everyone had a nice christmas. Quick update, received a letter from C1 today from the head of executive response centre.

            "Thank you for writing to us about your account. Its going to take us a little while to to look into your situation and come back to you with a detailed response. We'll do everything we can to get an answer to you within 7 weeks of this letter.

            If for some reason our investigation will take longer than 7 weeks, we'll contact you to tell you why this is.

            Thank you very much for being patient while we collect the information we need."

            I shall sit back and wait now seeing that CFS placed the account on hold for 30 days and C1 wants up to 7 weeks

            Comment

            • #21
              Re: Capital One/Cougar Financial Services

              yup just wait and see what they come up with, which will probably be nothing and it'll be sold on again.

              Merry Christmas!!!

              Comment

              • #22
                Re: Capital One/Cougar Financial Services

                Keep us updated
                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

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                • #23
                  Re: Capital One/Cougar Financial Services

                  Received my CCA today including a photo copy of my signature (which is mine) from Capital one today so looks like its enforcable It has a copy of the so called original agreement and also a copy of a reconstituted agreement and a cover letter stating that this is sufficient.

                  The letter also states that my account is in default (they even provided me with the default date) and I should continue making payments.

                  Not sure what is going to happen from here, I am hoping my £300 a month (whcih I can increase to £400 from July 2012 onwards) will be sufficient and they won't try for a CCJ seeing at £300 a month this debt will be paid in 18 months.

                  Shall now sit back and wait what CFS and C1 come up with next

                  Comment

                  • #24
                    Re: Capital One/Cougar Financial Services

                    Could you upload what you've received to Niddy, don't panic until he's had a good look.

                    Comment

                    • #25
                      Re: Capital One/Cougar Financial Services

                      I am pretty sure its enforcable, its got all terms and conditions including APR and a copy of my signature and date. But happy to upload? Its about 10 pages and as I have no scanner, I would need to make .jpg files and upload them? Would that be ok?

                      Comment

                      • #26
                        Re: Capital One/Cougar Financial Services

                        Pity a lot of these threads come to a halt at this stage!
                        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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                        • #27
                          Re: Capital One/Cougar Financial Services

                          Send to Niddy anyway because the T's and C's may not be those that came with the application, you never know!
                          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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                          • #28
                            Re: Capital One/Cougar Financial Services

                            Originally posted by SXGuy View Post
                            Send to Niddy anyway because the T's and C's may not be those that came with the application, you never know!

                            SX this is a thread from last year which came to a sudden halt! hence the comment
                            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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                            • #29
                              Re: Capital One/Cougar Financial Services

                              Sorry!

                              Read the replies, didnt check the post date haha
                              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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                              • #30
                                Re: Capital One/Cougar Financial Services

                                Originally posted by SXGuy View Post
                                Sorry!

                                Read the replies, didnt check the post date haha


                                We have all done that no doubt!
                                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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