Hello all,

This Cap One card dates from 2nd week March 2006. The last payment made was to Cap One in September 2009.
Briefly, I sent a CCA request to Cap one in January 2010. The copy agreement received in response looks very strange....minuscule writing, columns out of alignment...

I have recently discovered we have two policies with Homeserve, one for water supply pipe cover costing approx £73 per annum (not necessary as already covered) and the other for plumbing and drainage cover £120 per annum (also not necessary) both taken out by my wife approximately 10 years ago! ...

Niddy has kindly offered advice and suggested I start a diary on this one.

It's an old MBNA account and it's been shuffled around various lowlifes ending up with this bunch. They've written a few times and I've sent a request for the original agreement.

They sent a one pager...

Hello I am new to this forum and I'm looking for some help I recently had a credit card debt sent to dca (rockwell) I had many debts around that time i asked them to send me a CCA which I requested via a template on this site to clarify where and when the debt came from they have responded with my digital...

Ok I'll try and give a brief breakdown.

Krap1 CC, partner redundant, CAB Debt Advice, debt sold to Lowell.

Krap1 Credit Card. I have already sent a CCA & SAR to Krap1. Had both returned. SAR full and compete. Couple of things:

1: They say to pursue any PPI...

Hi,

a couple of years back i discovered on this forum that an egg credit card debt that was being pursued by a debt company maybe unenforceable due to the credtit/approved limit wording.

So,I followed the procedure requested the original agreement etc, and turns out that my...

I wasn't really sure what title to give this new thread as so many DCA's have had a go!

Long story short, this is my OH's CC which was originally with MBNA from around 20 years ago. Major reduction of income in 2009, offer made using CCCS dept remedy templates but they rejected the reduced...

I helped my former bro in law, we shall call him Bennet, with a business loan ppi via Lloyds TSB.

However, they have accepted liability and have offered to refund all of the ppi due with relevant interest.


Now this loan was taken out probably in the late 90's, and...

Hi, new here and a question for the knoledgable.I have what initially(have not looked at it properly and am new to this) seems to be an enforcable agreement from Lowells who have brought the debt from MBNA. Now section 15c of the agreement states "We may transfer our rights or duties under this...

Some brief history.....

Stopped paying this account about 2 years ago after CCA'ing them.

The agreement looks like a c&p, which seems normal with msdw agreements of the 2004 / 2005 era.

It went through the normal chain of in house and external dca's who...

Good morning PI & FV, I was trawling for some information on CPUTR and found you all, what a pleasant surprise!

I may ask a question soon on CPUTR as I have a 2004 Morgan Stanley Barclaycard just sold to Lowell. Lowell are threatening a statutory demand. I have a seriously bodged...

Hi rockwell and Welcome. I am sure you will find the help you need, if we can kindly ask you to check through the following links to get used to the surroundings first:-

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We don't bite, Help will be on its...

I just wanted to ask if anyone has dealt with a company called Rockwell? I have a few outstanding debts that I pay off each month and all is good but just before Christmas Rockwell got me on the phone saying I had to increase what I was paying, after a very long conversation I agreed to pay more each...

quick question.

a DCA buys debt, the debt has £800 in charges ie: mainly charges for letters.

now if the DCA has purchased the debt they also by law take on those extra unfair charges ?

i would class £25 charge to send a letter unfair ? so by rights/law...

My husband has a credit card debt of just over £6000 ( its been brought about by years of job losses and redundancy, swapping from one credit card to another to gain advantage of the interest free credit periods so he could meet the minimum payments each month) Around 12 months ago the minimum...