Digby's ue Diary

[Digby]

1) Capital One

• Type of account - Credit card
• Date commenced - Before April 2007
• Approx balance - £10,800
• Date last paid – Last month
• Are you on arrangement or not paying – Was making reduced payment but have now stopped
• Status – Not sure, did receive a default notice a week or so ago.
• Account owner – Capital One or Cougar Collections, not sure at this time.
• History – Capital One from date of agreement but may now be with Cougar Collections.

Had an automated call this morning, a google search tells me it’s from Cougar Financial Services / CFS which suggests it concerns my Capital One credit card (they are the only company from a total of 12 who haven’t accepted my DMP proposal). We’ve not received any letters from Capital One to say that they’ve passed the debt on to this collection agency but I have to assume that is what they have done. This credit card account was opened prior to 2007 and I intend to send a CCA request using your template with a £1 postal order via recorded delivery.

[Digby]

Re: Digby's ue Diary

Now confirmed as passed to Cougar.
Have today sent request for CCA using your template, recorded and tracked delivery.

[Digby]

Re: Digby's ue Diary

Received letter from CFS acknowledging receipt of 'correspondence' and stating that they will 'contact us in due course'.
As the CCA request is the only letter we have ever sent to CFS this most recent letter from them must constitute acknowledgement of receipt of CCA request.

[Enforcer]

Re: Digby's ue Diary

Crap 1 always pass to cougar first.can be aggressive with constant calls,including calling at work. Then gets passed to credit solutions. Send cca to niddy for checking. Mine is totally unenforceable. Just listen to advice on forum and you will be ok.

[Digby]

Re: Digby's ue Diary

Capital One


Type of account - Credit card
Date commenced - Before April 2007
Approx balance - £10,800
Date last paid – Last month
Are you on arrangement or not paying – Was making reduced payment but have now stopped
Status – Not sure, did receive a default notive a week or so ago.
Account owner – Capital One or Cougar Collections, not sure at this time.
History – Capital One from date of agreement but may now be with Cougar Collections.
23.10.2014
Had an automated call this morning, a google search tells me it’s from Cougar Financial Services / CFS which suggests it concerns my Capital One credit card (they are the only company from a total of 12 who haven’t accepted my DMP proposal). We’ve not received any letters from Capital One to say that they’ve passed the debt on to this collection agency but I have to assume that is what they have done. This credit card account was opened prior to 2007 and I intend to send a CCA request using your template with a £1 postal order via recorded delivery. I am wondering should I send it to Capital One or to the Collection Agency or to both? I assume we’ll be receiving a letter from them in the next few days to confirm the debt has been passed over but I’m pretty sure it’s Capital One. I can block any calls from Cougar and I’ll await a letter from them but I’m wondering how things might progress from here.

27.10.2014
Now confirmed as passed to Cougar.
Have today sent request for CCA using your template, recorded and tracked delivery.

12.11.2014
Copy of CCA received from Capital One

14.11.2014
CCA uploaded

[Pixie]

Re: Digby's ue Diary

Hi Digby. Can you upload your agreement for checking as set out here ----> Sending Your Agreement to AAD

[Digby]

Re: Digby's ue Diary

Capital One


Type of account - Credit card
Date commenced - 1998
Approx balance - £10,800
Date last paid – October 2014
Are you on arrangement or not paying – Was making reduced payment but have now stopped
Status – Not sure, did receive a default notice a week or so ago.
Account owner – Capital One or Cougar Collections, not sure at this time.
History – Capital One from date of agreement but may now be with Cougar Collections.
23.10.2014
Had an automated call this morning, a google search tells me it’s from Cougar Financial Services / CFS which suggests it concerns my Capital One credit card (they are the only company from a total of 12 who haven’t accepted my DMP proposal). We’ve not received any letters from Capital One to say that they’ve passed the debt on to this collection agency but I have to assume that is what they have done. This credit card account was opened prior to 2007 and I intend to send a CCA request using your template with a £1 postal order via recorded delivery. I am wondering should I send it to Capital One or to the Collection Agency or to both? I assume we’ll be receiving a letter from them in the next few days to confirm the debt has been passed over but I’m pretty sure it’s Capital One. I can block any calls from Cougar and I’ll await a letter from them but I’m wondering how things might progress from here.

27.10.2014
Now confirmed as passed to Cougar.
Have today sent request for CCA using your template, recorded and tracked delivery.

12.11.2014
Copy of CCA received from Capital One

14.11.2014
CCA uploaded

[Never-In-Doubt]

Re: Digby's ue Diary

Capital One


12.11.2014
Copy of CCA received from Capital One

14.11.2014
CCA uploaded

There are no PT's so it is temporarily UE. I'd be responding with this --> http://www.all-about-debt.co.uk/inde...escribed-terms

[Digby]

Re: Digby's ue Diary

There are no PT's so it is temporarily UE. I'd be responding with this --> http://www.all-about-debt.co.uk/inde...escribed-terms

Wahaaay! Thanks so much for your time and expertise, will follow up as suggested.

[Digby]

Re: Digby's ue Diary

Capital One


Type of account - Credit card
Date commenced - 1998
Approx balance - £10,800
Date last paid – October 2014
Are you on arrangement or not paying – Was making reduced payment but have now stopped
Status – Not sure, did receive a default notice a week or so ago.
Account owner – Capital One or Cougar Collections, not sure at this time.
History – Capital One from date of agreement but may now be with Cougar Collections.
23.10.2014
Had an automated call this morning, a google search tells me it’s from Cougar Financial Services / CFS which suggests it concerns my Capital One credit card (they are the only company from a total of 12 who haven’t accepted my DMP proposal). We’ve not received any letters from Capital One to say that they’ve passed the debt on to this collection agency but I have to assume that is what they have done. This credit card account was opened prior to 2007 and I intend to send a CCA request using your template with a £1 postal order via recorded delivery. I am wondering should I send it to Capital One or to the Collection Agency or to both? I assume we’ll be receiving a letter from them in the next few days to confirm the debt has been passed over but I’m pretty sure it’s Capital One. I can block any calls from Cougar and I’ll await a letter from them but I’m wondering how things might progress from here.

27.10.2014
Now confirmed as passed to Cougar.
Have today sent request for CCA using your template, recorded and tracked delivery.

12.11.2014
Copy of CCA received from Capital One

14.11.2014
CCA uploaded

21.11.2014
Niddy advised temporarily UE as no PTs, advised to send follow-up letter.

5.12.2014
Letter from Capital One advising passed to Frederickson International followed by call from Fredericksons which I blocked.

Advice please, should I send the 'no PT follow-up' letter to Frederickson or wait for a letter from them first? When it gets passed around like this am I starting from the beginning again each time?

[ScabHunter]

Re: Digby's ue Diary

Advice please, should I send the 'no PT follow-up' letter to Frederickson or wait for a letter from them first?

If it was me, I'd wait until they write and communicate with me properly. Any time they waste spamming your telephone is more time run off the clock.

When it gets passed around like this am I starting from the beginning again each time?

Yes, in terms of dealing with the vermin. No, in terms of running time off the clock to reach the six year winning line. Each set of clowns who give up represents one more step forward.

SH

[Digby]

Re: Digby's ue Diary

Capital One
Type of account - Credit card
Date commenced - 1998
Approx balance - £10,800
Date last paid – October 2014
Are you on arrangement or not paying – Was making reduced payment but have now stopped
Status – 28.8.2014 Default Notice
Account owner – Capital One or Cougar Collections, not sure at this time.
History – Capital One from date of agreement but may now be with Cougar Collections.
23.10.2014
Had an automated call this morning, a google search tells me it’s from Cougar Financial Services / CFS which suggests it concerns my Capital One credit card (they are the only company from a total of 12 who haven’t accepted my DMP proposal). We’ve not received any letters from Capital One to say that they’ve passed the debt on to this collection agency but I have to assume that is what they have done. This credit card account was opened prior to 2007 and I intend to send a CCA request using your template with a £1 postal order via recorded delivery. I am wondering should I send it to Capital One or to the Collection Agency or to both? I assume we’ll be receiving a letter from them in the next few days to confirm the debt has been passed over but I’m pretty sure it’s Capital One. I can block any calls from Cougar and I’ll await a letter from them but I’m wondering how things might progress from here.
27.10.2014 Now confirmed as passed to Cougar.
Have today sent request for CCA using your template, recorded and tracked delivery.
12.11.2014 Copy of CCA received from Capital One
14.11.2014 CCA uploaded
21.11.2014 Niddy advised temporarily UE as no PTs, advised to send follow-up letter.
5.12.2014 Letter from Capital One advising passed to Frederickson International followed by call from Fredericksons which I blocked.
19.12.2014 Follow up letter “CCA Query Missing Prescribed Terms” sent to Fredriksons

[Deepie]

Re: Digby's ue Diary

Hiya Digby

Can you please do one post for each account that will make it easier to follow .....

[Digby]

Re: Digby's ue Diary

Will do, thankyou.

[Digby]

Re: Digby's ue Diary

Asda/Santander/Niceday
Type of account - Credit card
Date commenced – Around 2007, will need to check
Approx balance - £2,200
Date last paid – 19/01/2015
Are you on arrangement or not paying – Was making reduced payment but have now stopped
Status – Default Notice 30.9.2014
Account owner – Lowell
History – Asda, then Santander, then Niceday
5.6.2014 Niceday agreed payment plan.
15.1.2015 Niceday advised sold to Lowell’s
10.2.2015 CCA request sent
19/02/2015 Letter from Lowells advising they may not be able to get documents within 12 days as requested.