Capital One Credit Card Help

[deedee17]

I recently requested a copy of my credit agreement from Capital One under s.77/78 of the Consumer Credit Act 1974. I have had this credit card since 2003 and a new card was issued to me in September 2007. They sent me a copy of an unsigned agreement headed credit card agreement regulated by the consumer credit act 1974 and a leaflet detailing the terms and conditions. I wrote to them explaining that they had discharged their obligations under the Consumer Credit Act 1974 in particular section 78(1) by not providing me with an executed agreement. The response I got is detailed below:-

 

"I can assure you that we have provided you with the current credit agreement, which is in compliance with section 78 of the consumer credit act 1974. In light of this, I won't be able to send any different documentation to support your request.

 

In accordance with section 78 of the CCA 1974 and the consumer credit (cancellation notices and copy documents) regulation 1983, this is your original agreement, and if any terms have been varied, then the copy agreement will include the updated terms. In addition, your personal details, the signature box, signature and date of signature have been omitted from the copy provided, as permitted under regulation 3 of the consumer credit (cancellation notices and copy documents) regulations 1983.

 

They have gone on to state that I have a valid and enforceable credit agreement. Can anyone help with this one?

[maroondevo52]

Hello and Welcome, deedee17.

 

I'll move this thread to the Cap 1 Forum, you'll get help in there.

 

Regards.

 

Scott.

[silverfox1961]

Hi DeeDee,

Although what crap 1 are saying is correct and they don't have to send you an exact copy of your agreement, the agreement does have to relate to you in some way. If at all possible could you scan the agreement, cover up any personal information and post the picture on the forum.

If you use photobucket to do this it would help. if you need advice on how to do so, just shout

 

fox

[deedee17]

Sorry, I don't have access to a scanner. One side of the document is a letter format detailing my name and address, credit limited and account number followed by:-

 

Thank you for your recent request. Please see overleaf for the current terms of your agreement with us.

 

For the rest of your terms and conditions, please see the leaflet enclosed.

 

The other side of the letter is the copy of the credit card agreement which has no signature or date????????????

 

Hi DeeDee,

Although what crap 1 are saying is correct and they don't have to send you an exact copy of your agreement, the agreement does have to relate to you in some way. If at all possible could you scan the agreement, cover up any personal information and post the picture on the forum.

If you use photobucket to do this it would help. if you need advice on how to do so, just shout

 

fox

[AA99]

Hello and Welcome, deedee17.

 

I'll move this thread to the Cap 1 Forum, you'll get help in there.

 

Regards.

 

Scott.

 

I thought Cap 1 was always under 'Other Institutions', can you give us a link to the actual Cap 1 Forum ? Thanks

[silverfox1961]

I'm not experienced enough to advise on that.

 

No scanner eh! How about a digital camera.

It is important to get them visible to the more experienced members if at all possible as they have seen lots of invalid agreements and to be fair Crap 1 have their fair share of duff ones.

From what you are saying though and from what I've gleaned so far is that the important terms and conditions need to be within the four corners of the agreement and that includes your signature./

I suspect they don't have a valid agreement and are trying to fob you off with a mock up agreement.

 

fox

[silverfox1961]

I thought Cap 1 was always under 'Other Institutions', can you give us a link to the actual Cap 1 Forum ? Thanks

 

think this is it

 

http://www.consumeractiongroup.co.uk/forum/capital-one/

[nuthatch]

deedee17 A few of us have had exactly the same letter. I can't do links but if you search for other posts from my username you will find my post on the Capital One forum where I refer to this.

[deedee17]

How do I get the image to you, sorry it won't allow me cut and paste.

 

I'm not experienced enough to advise on that.

 

No scanner eh! How about a digital camera.

It is important to get them visible to the more experienced members if at all possible as they have seen lots of invalid agreements and to be fair Crap 1 have their fair share of duff ones.

From what you are saying though and from what I've gleaned so far is that the important terms and conditions need to be within the four corners of the agreement and that includes your signature./

I suspect they don't have a valid agreement and are trying to fob you off with a mock up agreement.

 

fox

[silverfox1961]

No you can't cut and paste. you have to follow some simple instruction.

 

It seems tricky at first, but is fairly simple really.

 

1, Scan your DCA letter/whatever you want to show on the forum.

Ideal setting is 100dpi as it's closest to computer monitor display resolution.

 

2, Save the scanned image as a jpeg

Step 2.5 Edit out any personal information, barcodes or any other comments, notes or markings around the edge of the document. Never change the original document you received

2.5, Load the saved image into MS Paint. (comes free with Windows.) Use the pain brush or spray can to remove/paint over any personal info, such as name, account number, address, etc. Also remove any barcodes, as some DCAs may be able to identify you from these.

 

3, Create an account on Photobucket.

 

4, Once you have a Photobucket account, you'll find on the main webpage little box where you can upload photos. Click the "upload image" box and then tell it where on your hard disk you saved your scanned jpeg. It will then upload the image to Photobucket and it will show you thumbnails of the images you have uploaded. Under each image there are links that you can copy and paste.

 

5, Copy the IMG link below the image you want to put on the forum. Then reply to thread on CAG. Right click with the mouse and select "paste" from the little menu that pops up.

 

6, You'll then get some text appear in your message that looks a bit like this.

 

 

When you submit the reply, the text will change into the image you uploaded onto photobucket. The text you copied and pasted is just the information the forum needs, so it knows where to find your photo and display it in your message.

 

 

Courtesy of Fuzzybobble

 

ignore the first bit as you already have the pics on your pc

 

fox

[deedee17]

Thanks everyone for your help. I have read the other Cap 1 forms and the letter I have is the same as the others received and scanned on. I will use the copy template letters to write back.

 

Many thanks:)

 

No you can't cut and paste. you have to follow some simple instruction.

 

It seems tricky at first, but is fairly simple really.

 

1, Scan your DCA letter/whatever you want to show on the forum.

Ideal setting is 100dpi as it's closest to computer monitor display resolution.

 

2, Save the scanned image as a jpeg

 

Step 2.5 Edit out any personal information, barcodes or any other comments, notes or markings around the edge of the document. Never change the original document you received

 

2.5, Load the saved image into MS Paint. (comes free with Windows.) Use the pain brush or spray can to remove/paint over any personal info, such as name, account number, address, etc. Also remove any barcodes, as some DCAs may be able to identify you from these.

 

3, Create an account on Photobucket.

 

4, Once you have a Photobucket account, you'll find on the main webpage little box where you can upload photos. Click the "upload image" box and then tell it where on your hard disk you saved your scanned jpeg. It will then upload the image to Photobucket and it will show you thumbnails of the images you have uploaded. Under each image there are links that you can copy and paste.

 

5, Copy the IMG link below the image you want to put on the forum. Then reply to thread on CAG. Right click with the mouse and select "paste" from the little menu that pops up.

 

6, You'll then get some text appear in your message that looks a bit like this.

 

 

When you submit the reply, the text will change into the image you uploaded onto photobucket. The text you copied and pasted is just the information the forum needs, so it knows where to find your photo and display it in your message.

 

 

Courtesy of Fuzzybobble

 

ignore the first bit as you already have the pics on your pc

 

fox

[maroondevo52]

I thought Cap 1 was always under 'Other Institutions', can you give us a link to the actual Cap 1 Forum ? Thanks

 

This is the Cap1 Forum

 

Regards.

 

Scott.