Ramtique's UE Diary

[ramtique]

Capital One Account
Opened 16/12/2004
Credit Limit Reduced to £1500 - however i am now over that.

*CCA request sent. 20/04/2010

[size=5]no response

*CCA reminder sent.10/05/2010

[size=5]We need more time letter received (will reply in four weeks) 21/05/2010

[size=5]Reconstituted agreement received. 01/06/2010
however this was a copy of a "short application form"

*CCA query sent. 17/06/2010

[size=5]no response

*2nd CCA query pending

Quick questions - Should i have stopped the direct debt at the point of the CCA was sent, i didn't and they have just ignored me ?
Should i send a 2nd CCA query and stop all payments ?
What can i expect in response for crapital one ?

[Never-In-Doubt]

Re: Ramtique's Capital One Diary

Is this your only debt? Do you want to ruin your credit rating for one debt less than £2k...?

Are you sure...?

[ramtique]

Re: Ramtique's Capital One Diary

sadly no it's not my only debt
mnba £5k
BoS £4k
hsbc £1k
and so on

[Never-In-Doubt]

Re: Ramtique's Capital One Diary

Capital One Account

Quick questions - Should i have stopped the direct debt at the point of the CCA was sent, i didn't and they have just ignored me ?
Should i send a 2nd CCA query and stop all payments ?
What can i expect in response for crapital one ?

Now you've explained you have other debts, yes stop payments and send this to Crappy1: ---> viewtopic.php?p=1629#p1629

Regards to the other debts, can you list them all with similar timelines - have a read here as you need to provide lots of info for each account and amend your layout somewhat in order for me to follow progress...

---> viewtopic.php?p=6789#p6789