 About credit card? |
| how to use an credit card?... |
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 Need actual advise about money problems.. his account under my name, won't pay. ? |
((((This sounds very stupid, I know I shouldn't have done it. Please refrain from telling me how stupid I am. I am only asking for help and nothing more.. or some advise. ))))
I have ... |
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| My credit score is 708. I would like to know if it is a decent score. Also, if it is, do you think that I could get a ten thousand dollar loan from a company that checks the experian credit agency. ... |
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 Can a credit card creditor place a lien on someone's home to collect a debt? |
| My wife and I are being harressed and threatened by a collection agency over the phone at my wife's work to place a lien on our house if we do not make good the debt. Can a lien be placed on a ... |
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| I do not have any credit and would like to build it up. I am a student currently so my student loans will not show up until I graduate. Do I have to wait until then to build my credit. No credit card ... |
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| i have a checking acct that has a balance of negative 1 dollar. i checked my acct a week ago from an ATM, and thought that i had a dollar left, when actually i had a negative balance. I didnt realize ... |
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 What happens when Care Credit calls you at work and threatens to sue you? |
| They just called me at work, saying that they were going to file a complaint and then asked if I had an attorney. I told them that I didn't have the money for an attorney and that I didn't ... |
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 How long does it take for bad things on your credit report to get off? |
| I have an unpaid credit card from about 5 years ago. I was very irresponsible then, but now, I don't know which credit card it was or how to contact them. Does it ever go away and if so, how ... |
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| I want to cancel my credit card but i need to write a letter to the company! Can you give some ideas to write this letter!? What things should i write!?... |
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 Cannot get credit card, need credit history? |
| I'm in college and have tried applying for credits cards over 50 times to build up a score and am always denied. I don't really want to use them a lot per se, I just need to build up a ... |
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 I have a question about collection agency/law firm? |
Hello,
last week i got a call from a very mean person asking for my wife. I told him that she was not here. This guy asked who i was i told him her husband. He then told me she is in big big ... |
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 Overdraft!!!!!!!? |
| If I wrote a check out for $600.00 and I only have $50 dollars in my checking account will it go ... |
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 I have 10,000 in cash and need a car but want to get a loan....? |
| to help my hideous credit. Will a bank loan me the 10,000 if I put my 10,000 cash up as colateral?... |
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 For people with bad credit? |
| How many negative items do you have on your credit report? I'm trying to find out how bad mine really is.... |
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 My credit score is 666? |
| What does this mean? What does the devil have in store for me and my finances?... |
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 I am just trying to figure out credit? |
| I just don't get it, I spent 15,000 to pay off everything on my credit. My score has rebounded some to about a 647 except for my trans union which went from a 630 to 599. I opened a credit card ... |
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 Do my parents see everything they bought on the credit card after they buy it? I really want to use it without |
| ok so there is this game on the computer and u can get credits to buy clothes but you have to buy them. and my parents probably would not buy me them. i want to take their credit card and use it. it ... |
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 Will opening a secured credit card improve my credit rating? |
| I have heard that applying for a secured credit card (setting my own account spending limit) will help improve my credit score. Is this true? And how does that make any sense?... |
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Sandra D | Capital One? |
My partner has an arrangement with capital one to repay his credit card at x amount a month. Although this is in place he is getting phone calls constantly pestering him for the full amount. He had three over the weekend the last being Sunday evening(nice time to ring). I think it is harrasment, has anybody else had a similar experience and are they within their rights to bully like this? |
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D
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Copy and paste the letter below to them, ASAP:
Dear Sir/Madam,
I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.
I now require all further correspondence from your company to be made in writing only.
I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.
If you continue to harass me by telephone, you will also be in breach of the Wireless Telegraphy Act (1949) and I will report you to both Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.
Be advised that any further telephone calls from your company will be recorded.
Yours truly,
Add your name, address, Cap1 account number, and send off.
Don't worry if you can or can't record the calls, they don't know whether you're bluffing or not.
If it's been passed to the debt collectors, you can bet part of your outstanding balance will be down to charges, so send off a S.A.R - (Subject Access Request) to Cap1 ASAP.
A friend of mine "owed" Cap1 £500, on receiving her statements, it turned out that there was £600 of charges, so they owed her £100!!! Like you, she was gettign harassed all day long, I got her to send the letter above, and they confirmed in writing they would stop calling, and they haven't called her once since. |
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Sweettea
 |
Capital-One is defiantly the most annoying company. I have no credit cards but they send me so much junk mail. They will harass him but voice mail or answer machines are great for this. I believe there are laws to stop it but it ain't worth the money. Can he get out by going with another company or consumer help. |
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superstar
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No never, i had a capital one card and they kept phoning to ask if we wanted to upt the amount, we got that sick of it we paid it all off, now they continue to phone us. Thank god i no longer have a credit card........ |
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Pengy
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Tell them you have a payment arrangement and have been holding to that arrangement and then tell them according to the FDCPA you request all communication to be in writing only. They must accept or be eligible for fines of 1K per call. keep a record and report them if needed. |
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me and you today
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A person Iknow had the same problem with them. Sign off otherwise itll get worse! |
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El Jefe
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the collectors are from a 3rd party company complied of jerks and *******. Call capital one tell them that since you have made the deal to pay them back and they approved it the collectors they sicked on you will not stop, they will have to call them off. If they dont I would call the local police and file a harassment charge, you have to proof from capital one that you are paying your bill. Or you can just change your phone number and unlist it. |
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Craig T
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You need to find exactly who it is that is calling and send them a cease and desist letter
type "cease and desist letter" into yahoo search and you will find many good examples |
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**Kesha**
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heres a secret capital one dont have a debt collection agency...they are their own debt collection agency! they just answer to a different name!!! usually debitas or something like that. You need to ring them and be firm, tell them you will stop paying them if they continue to call you. tell them that you have stuck to the arrangement so far and will continue to do so if they stop harrassing you. dont ask them, tell them, be firm its the only way. these people are trained to be ruthless, and to get as much money as possible. give it them back. |
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Widdecombe and Pump
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just tell them plainly that you have made an arrangement and to stop phoning you, warn them you will complain about harrasment, and ask them to make sure it is noted on your account that you have made such an arrangement.
if this doesnt work, send a letter of complaint to them. I had a similar problem with another company - the call centre staff were enjoying me getting pi55ed off so put the call through for another callback instead of marking it as resolved.
A phonecall to their complaints mob should gget it sorted pretty quickly. If not go a step further and complain in writing.
They are within their rights to call you if you havent made contact - but he has - so it should be noted in the account that he is doing something to pay it off. |
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robert h
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Get caller ID and ignore the F**KERS. Good Luck. |
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