Jaci's UE Diary

[jaci]

Re: Jaci's UE Diary

OH'S ACCOUNT

Capital One
Credit Card
Start Date 01-03-2004
Current Balance £1577
Status - Defaulted

Capital One Credit Card
06/06/2011 - CCA Request Sent
28/07/2011 - Received letter from Capquest, 'Further to our recent correspondence' (What recent correspondence??), goes on to say they've checked our address and established we have no CCJ's registered at our address and they might do this or they might do that, and we have to get in touch by 07 August or the account will move forward to litigation
03/07/2011 - Sent another CCA request to Capital One, (original was sent to Credit Solutions) also sent a copy to Capquest with a note telling them what was happening.
08/08/2011 - Received letter from Capquest - Letter Before Action - offering me a F&F of £736.59, contact them by the 17th or they'll pass me on to their solicitors
10/08/2011 - Received letter from Capquest saying we're dealing with the account, we need £1.00 admin fee (sent to Capital One last time) account on hold for 12 days to allow time for me to respond with the fee.
10/08/2011 - Sending Final Response - Unenforceability (No CCA Received) to Capquest.
17/08/2011 - Received 2 letters from Capquest. Letter 1 - 'We've received your letter and passed to relevant department to be processed. Letter 2 - 'Unable to comment on the dispute you have raised as this was prior to our involvement and at the time the account was passed to us we were unaware of any existing query. Therefore we are closing the account on our system. Ignoring
19/08/2011 - Letter from Capital One. 'I enclose a reconstituted copy of your original agreement' enclosed with copy of application form and 2 sets of T&C

Updated, shall I send to Niddy?

[Deepie]

Re: Jaci's UE Diary

Updated

Just ignore for now.

[jaci]

Re: Jaci's UE Diary

OH'S ACCOUNT

BoS Card Services
Credit Card
Start Date 19-10-2004
Current Balance £728
Status Defaulted


Bank Of Scotland Credit Card - Currently with Blair Oliver Scott
06/06/2011 - CCA Request sent
04/07/2011 - Received letter back with copy of application form and 2 copies of agreements. Does this all need to be seen?
08/07/2011 - Emailed Niddy
13/07/2011 - Niddy says , replying with CCA Query - Application Form Received
26/06/2011 - Received letter back saying ... is enforceable, pay up, complain to ombudsman if still not happy. In2Deep says ignore.
19/08/2011 - Received Letter from Moorcroft Debt Recovery, installment offer £40 per month, contact us

Updated

[Never-In-Doubt]

Re: Jaci's UE Diary

Updated. Guessing I ignore?

Yep, well done - however they may well sell it on again! Keep us updated

[MrsD]

Re: Jaci's UE Diary

result from capquest, hopefully the first of many!!

[Deepie]

Re: Jaci's UE Diary

Updated. Guessing I ignore?

Yes just ignore

[jaci]

Re: Jaci's UE Diary

OH'S ACCOUNT

Capital One
Credit Card
Start Date 01-03-2004
Current Balance £1577
Status - Defaulted

Capital One Credit Card
06/06/2011 - CCA Request Sent
28/07/2011 - Received letter from Capquest, 'Further to our recent correspondence' (What recent correspondence??), goes on to say they've checked our address and established we have no CCJ's registered at our address and they might do this or they might do that, and we have to get in touch by 07 August or the account will move forward to litigation
03/07/2011 - Sent another CCA request to Capital One, (original was sent to Credit Solutions) also sent a copy to Capquest with a note telling them what was happening.
08/08/2011 - Received letter from Capquest - Letter Before Action - offering me a F&F of £736.59, contact them by the 17th or they'll pass me on to their solicitors
10/08/2011 - Received letter from Capquest saying we're dealing with the account, we need £1.00 admin fee (sent to Capital One last time) account on hold for 12 days to allow time for me to respond with the fee.
10/08/2011 - Sending Final Response - Unenforceability (No CCA Received) to Capquest.
17/08/2011 - Received 2 letters from Capquest. Letter 1 - 'We've received your letter and passed to relevant department to be processed. Letter 2 - 'Unable to comment on the dispute you have raised as this was prior to our involvement and at the time the account was passed to us we were unaware of any existing query. Therefore we are closing the account on our system.

Updated. Guessing I ignore?

[Never-In-Doubt]

Re: Jaci's UE Diary

Blimey that was a quick reply, Thanks.

Just lucky I was browsing at the time I guess

[jaci]

Re: Jaci's UE Diary

Don't worry. Wait till they write properly

Blimey that was a quick reply, Thanks.

[Never-In-Doubt]

Re: Jaci's UE Diary

Updated - Never even heard of Capital Bank? Should I do anything with this one yet?

Don't worry. Wait till they write properly

[jaci]

Re: Jaci's UE Diary

JOINT LOAN

Halifax Plc
Loan
Start Date 23-04-2008
Current Balance £8677
Status Defaulted March 2010


Halifax Loan
06/06/2011 - CCA Request sent
08/07/2011 - CCA Received Emailed Niddy - Niddy says
Ignoring for time being - waiting for them to get in touch with me
13/08/2011 - Received letter from Iqor - Your account has been passed to us from Capital Bank with instruction to recover debt in full

Updated - Never even heard of Capital Bank? Should I do anything with this one yet?

[garlok]

Re: Jaci's UE Diary

Don't worry about it Jaci. What is done is done and it can be got round with careful thinking.

It only comes into its own if date of service becomes contentious. Most DNs by BC and others will be defective in other ways as well. This gives you belt and braces if there is a false claim as to posting date, postal method or length of time to rectify.

regards
Garlok

[jaci]

Re: Jaci's UE Diary

Heading off for a bit of light reading , But for the defaults received before now, does it matter that I don't have envelopes?

[garlok]

Re: Jaci's UE Diary

Do you all a deal. jaci, have a read and study the sections Nid has suggested and then come back with your questions and I will try to clarify but be warned, this issue has brought other forums to virtual blows in the past.

l

regards
Garlok

[Never-In-Doubt]

Re: Jaci's UE Diary

Thanks Nid, just about to explain.

regards
Garlok

Feel free, maybe a brief layman version to assist those reading?

Good luck