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Re: CAPITAL ONE CREDIT CARD
webmaster@all-about-debt.co.uk
send copy to Niddy who will scrutinize response?
webmaster@all-about-debt.co.uk
send copy to Niddy who will scrutinize response?
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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. -
Re: CAPITAL ONE CREDIT CARD
Hi
Thank you for that advice
I have now sent a copy to Niddy via the e.mail link stated.Comment
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Re: CAPITAL ONE CREDIT CARD
Nothing received.....Originally posted by fightinghard View Post
webmaster@all-about-debt.co.uk
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.ukComment
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Re: CAPITAL ONE CREDIT CARD
Ok- and thanks
I have re-submitted the email and attachment and have also taken the liberty of posting the response letter in my secure thread
Again my thanks for your assistanceComment
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Re: CAPITAL ONE CREDIT CARD
It's their standard reply. It's not personalised to you. Honestly, don't feel flattered
As stated, nothing has changed IMO from my last update above on 12 May.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.ukComment
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Re: CAPITAL ONE CREDIT CARD
Hi Niddy
Ahhhh shame -Ok- thanks for that anyway.
I shall be following your post #12 suggestion and am bracing myself for the forthcoming mail onslaught. (Shouldn't be phone calls as I havent passed on my new mobile no.)
Will keep the Forum updated as we go along.
BTW I have another query so have started a new post (#22) in this thread- hope thats okComment
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Re: CAPITAL ONE CREDIT CARD
Type of account: Halifax Current Account Overdraft
Date commenced:- April 2010
Approx balance:- £620
Date of last Full payment :- May 2013
Current Arrangement:- Self- Managed D.M.P- approx £15 p.m.
Status:- Default but D.M.P up to date
Account owner:- No chasing letters- only contact since 2013 has been 6 monthly letter from RobWay to review arrangements- I have ignored these and just continued making original agreed D.M.P. payments.
This current account was defaulted in June 2013 and passed to RobWay to manage my monthly DMP payments.
I would like to make a F & F offer and I would appreciate some advice on what amount I should offer RobWayComment
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Let your smile change the world but don't let the world change your smile
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
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Re: CAPITAL ONE CREDIT CARD
Hi Pixie
Many thanks for pointing me to the calculation and F & F template section of the Site .
In fact I had already looked through the information therein but it seemed not to be totally relevant in my case as it explains making proportionate F & F offers to all creditors whereas I only want to make an individual offer to the creditor to whom I owe least (as I can probably find some cash for a reasonable F & F for that small debt) while leaving things as they are with the other creditors.
Such an action, however, is probably a breach of my self managed DMP but it does now occur to me that I may already have breached my DMP by virtue of my CAP1 actions (posts #12 and #13) and this makes me wonder whether I should " take the bull by the horns" and take similar action to that detailed in the aforementioned posts in respect of my 3 other creditors ( all 3 of which remain with the OC but two of which have been defaulted).
These are post 2007 so UE is probably not an option but a CCA in each case is a good starting point I guess so I intend to send these off in a day or so.
There does seem to be a view that this is the way to go with the chance of a reasonable F & F with a DCA in each case at the end of the day but pending my "lighting the blue touch paper" any advice or comments would be appreciatedComment
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Re: CAPITAL ONE CREDIT CARD
It's entirely up to you if you want to take the risk with the other debts being post 2007 but you have a much better chance of a F&F offer being accepted if the account has been passed to a DCA and the best way of getting the OCs to pass them on is to stop paying.Let your smile change the world but don't let the world change your smile
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
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Re: CAPITAL ONE CREDIT CARD
Hi Pixie - and everybody
Apologies for delay in responding but I have decided to take the risk and accordingly have now ceased payments to all my debtors, and the other actions I have taken are detailed against each creditor’s entry’
As I am now dealing with 5 debtors rather than the 1 original debtor (Cap1 Credit Card) I think it may be best if I start a proper diary hence have opened a new thread (but linked to the new one).
I hope this is ok!!
http://forums.all-about-debt.co.uk/s...nghard-s-DiaryComment
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