New here, ongoing issues with Cap One

[pluk69]

Hey - just checking if you have an Update - we're dealing with Cap One too (letter 3 going tomorrow) so finding this really interesting.

[Nories]

Hey - just checking if you have an Update - we're dealing with Cap One too (letter 3 going tomorrow) so finding this really interesting.

Everything is quiet and has been for a while Just the way I like it

[GeoffD]

I got Cap One in tacit three years ago and of the dozen or so debts I have challenged they are the one who seem to have given up easiest,in my own case at least, as I have not had any dealings with anyone for two years.
Having written this I'm now expecting a phone call or a letter to drop through the door lol

[Nories]

Got home today to find a strange letter on the floor, this time from Wescot

So, the letter process will start once again although I was thinking about the NCRTS route.....but next one will get this option!

I've got all the CEO/contact details from this wonderful website, thanks again guys

Just a quick question for the next crowd - if I open the letter with vigour, is it cool to chuck it back in and write 'opened in error, addressee not know, return to sender' on the resealed envelope?

[ceylon]

yes

[Nories]

Okay, got home today to find a letter from 'Nelson Guest & Partners'.......some solicitors who seem very close to Wescot. The letter states that 'further recovery activity will be taken'

So, best way forward?

Should I simply return the letter to the old envelope, place a NCRTS sticker on it and chuck it back in the post (must remember to think before I open next time!)

Or, shall I proceed with the dca letter1 like all the others??

[wishy]

I just write "opened by mistake" on them and tape it back closed

[ceylon]

up to you but we would use the letters

[Nories]

Things have been quiet, everyone so far have had the 3 letters and are in estoppel
Last week though, another letter landed; from Cap One (you'll be getting another bill for this boyo) stating that they have sold my account to Lowell Portfolio
Same day, different envelope; Lowell writing to confirm that my account has been sold by Cap One to themselves. It also states that they have asked WESCOT to continue to manage my account; WESCOT are in estoppel since Sept last year with no correspondence since


So, do I go through the 3 letters with these donuts or do I simply write to them; thanking them for volunteering their services and paying my account - so I owe them nowt I also read that once the original account is paid; I am free and clear with no liabilities.

[ceylon]

up to you if its been passed on 3 or 4 times we would send them a present if not we would use the letters