Starting out

[alland]

Re: Starting out

Capital One (credit card) now dealing with Capquest.

Start date 2000/02ish

Balance £3907.
Last full payment 2009.

April 12th cancelled dmp requested cca.
April 13th reply from capqest requiring signature.
April 23rd I replied with no signature required letter.
April 28th, Capquest returned my P.O. and advised me that they have
returned account to Capital One and all corrospondece should
be addressed to Capital One.
April 28th ,2nd letter, Capquest has sent my request to Capital One
also states "please note that a notice of assignment is not
applicable as account has not been sold to us"
Do I now need to send p.o. to Capital One and request cca from them?

If you have NOT previously sent a CCA request directly to Capital One, then yes send off the CCA request and £1.00 PO to them.

[alland]

Re: Starting out

Empirestores (catalogue) now dealing with N.D.R
Taken out 1999ish

Balance £344

Date last full payment 2009.
April 12th cancelled dmp payments and requested cca.
May 4th received letter requesting me to contact them
Should I send them another letter regarding my cca request ?

You have sent off your CCA request, so really no need to contact them again at this stage, wait and see they respond with in respect of the CCA.

[nightwatch]

Re: Starting out

Bank of Scotland credit card) now dealing with Blair Oliver and Scott.
taken out 2002/4ish
Balance £3148

date last paid full payment 2009.

April 23rd cancelled dmp payment and requested cca.

I sent a CCA request last month to Blur, onions & scoff, they sent me a letter saying my offer of £1.00 a month was ok and to keep making the payment each month,

[Sosad]

Re: Starting out

Thank you Alland and Nightwatch for your replies .Alland I will get that cca request off to Cap one tomorrow and will await empire stores reply as you suggested.thanks
Nightwatch I hope they don't think I'm going to pay them a pound a month ,I'll be dead and still owing them lol,,!!!

I now have to learn how to upload my cca's to Niddy and get his expert advice on the two I have received. I have read the post on how to upload documents ,but I'm still none the wiser .they do look enforceable though.
Thanks again x

[jon1965]

Re: Starting out

Sosad
Never say never, uploading the docs is quite easy really. I find it easier if you scan them into PDF format.

As for Cap1 they are buggers for not signing for the letters. Although when I asked royal mail they did confirm that they had received it

[ScabHunter]

Re: Starting out

I sent a CCA request last month to Blur, onions & scoff, they sent me a letter saying my offer of £1.00 a month was ok and to keep making the payment each month,

That trick is designed to restart the limitation clock. Crapbot pulled the same stunt on me five years ago but they did reverse it after I sent in a formal complaint and pointed out the facts to them.

Assuming you sent the template from here, there is a line which says “note that these funds are not to be used for any other purpose “.

You will need to point out their misappropriation in a formal complaint, so that there is paper evidence that you have made a legitimate request pursuant to s. 78 CCA 1974, which does not in any way restart the limitation clock.

SH

[Sosad]

Re: Starting out

Hi and thank you both for your quick response .
Jon I will get my other half to show me what to do regarding uploading documents ,when it comes to using computers I'm totally dumb , I'll mention the PDF thing to him and he can show me what to do ( I'm a quick learner).
As for cap one I will send a cca request to them tomorrow.

Scabhunter ,I did use the template from this site ,and if they do use my p.o. for anything other than sending my cca I will write back to them with the resonse you stated
Thanks again x

[Pixie]

Re: Starting out

Thank you Alland and Nightwatch for your replies .Alland I will get that cca request off to Cap one tomorrow and will await empire stores reply as you suggested.thanks
Nightwatch I hope they don't think I'm going to pay them a pound a month ,I'll be dead and still owing them lol,,!!!

I now have to learn how to upload my cca's to Niddy and get his expert advice on the two I have received. I have read the post on how to upload documents ,but I'm still none the wiser .they do look enforceable though.
Thanks again x

Can you scan them and email them to Niddy?

If you do, send each cca in a separate email and put your username in the subject line.

Let Niddy look at them. I had some that I was sure looked enforceable but they weren't.

[Sosad]

Re: Starting out

Thanks for replying Pixie ! will email them to Niddy asap. It's good coming onto this site knowing I have the support from lots of lovely people

Take care x

[Sosad]

Re: Starting out

hi Niddy,
Sent my CCA agreements to you by e mail if you would kindly check them over i would really appreciate it thanksx

[Never-In-Doubt]

Re: Starting out

I sent a CCA request last month to Blur, onions & scoff, they sent me a letter saying my offer of £1.00 a month was ok and to keep making the payment each month,

Scabhunter ,I did use the template from this site ,and if they do use my p.o. for anything other than sending my cca I will write back to them with the resonse you stated
Thanks again x

If they do this let me know (send me a PM) - I will sort you a template to send back and also request compo at the same time

[Never-In-Doubt]

Re: Starting out

Monument (credit card)

Start date 2001

balance £2466.

Last full payment 2009

April 12th ,cancelled dmp requested cca.
April 30th, received cca
May 9th e- mailed Niddy with my cca
Please let me know if you received this as I'm not sure if I have done this properly thanks

If so I would have replied to the email - the only email I have is regards to Sainsburys......

[Never-In-Doubt]

Re: Starting out

Sainsburys (credit card) now dealing with blair oliver and Scott.
Taken out 2001

Balance £4537
Last full payment 2009.

April 23rd ,cancelled dmp payments and requested cca.

May 5th received cca
May 9th E-Mailed my CCA to N iddy be grateful if you would let me know if you receive this

Received - there are no existing PT's with the agreement, ie those in place as at account inception.

They have sent current ones, good 9they're meant to) but they also need to send the originals. The current ones do not help as the rates and charges etc are all different to what they were when you took this account out ergo this is unenforceable.

Nice way to start things.

Respond as follows and cease all repayments to this account

---> Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms

[Never-In-Doubt]

Re: Starting out

Capital One (credit card) now dealing with Capquest.

Start date 2000/02ish

Balance £3907.
Last full payment 2009.

April 12th cancelled dmp requested cca.
April 13th reply from capqest requiring signature.
April 23rd I replied with no signature required letter.
April 28th, Capquest returned my P.O. and advised me that they have
returned account to Capital One and all corrospondece should
be addressed to Capital One.
April 28th ,2nd letter, Capquest has sent my request to Capital One
also states "please note that a notice of assignment is not
applicable as account has not been sold to us"
Do I now need to send p.o. to Capital One and request cca from them?

If you have NOT previously sent a CCA request directly to Capital One, then yes send off the CCA request and £1.00 PO to them.

Actually CrapQuest are the legal owners and what soSad should have done was send this mate ---> Our Templates | Unenforceability Templates | DCA Refusal to Accept CCA Request

[Sosad]

Re: Starting out

Hi Niddy and a big thank you for taking the time to go over my cca and deeming it unenforceable ,really happy with this result I will send the letter you advised first thing tomorrow .
I don't know where I've sent the Monument cca I'll try again!!!

Re. The Capquest letter I've already posted the letter that Alland advised me to send to Capital1 ,I don't suppose there's any real harm done. Is there??? Thanks once again X