jellybabe v Capital One

jellybabe · 25th June 2006, 23:31

Hi everyone,
I decided to take on Capital One aswell now.

My Data Protection Act letter is ready to go in the post tomorrow morning.

good luck to everyone,
jellybabe

maverik1979 · 25th June 2006, 23:40

good luck, i'm just waiting for my hsbc to conclude (hopefully well

)then im going after capital one aswell

jellybabe · 26th June 2006, 00:13

Thanks,will let you know how i get on.
And good luck for your claims.

jellybabe

jellybabe · 1st July 2006, 11:20

Hello,
received a letter from Miss Katherine Blunt about my Data Protection Act request.
She has requested all the needed information now and will forward it to me
as soon as she receives them.

jellybabe · 18th July 2006, 21:32

mmhhh,i think they want to play hide and seek with me?!
No statements received yet.

jellybabe · 26th July 2006, 12:30

After sending them a reminder about my Data Protection Act request,i finally received my statements this morning.
Hightlighted all my charges already,and found that they charged me £458!!

And that is without the interest.
Preparing my request for repayment letter right now!

jellybabe · 26th August 2006, 19:52

not updated this one lately.
Prelim sent.........received the usual bog off letter.
lba sent on the 17th august.
Had another charge on it.
Deadline to respond to my lba is the 31st August.
MCOL due on the 1st Sept.
Let's see what happens until then.

jellybabe · 5th September 2006, 15:27

At last i had the money to file my claim with MCOL.
Shouldn't be too long now!

jellybabe · 6th September 2006, 13:57

Claim issued 06/09/2006
Claim No. 6QZ60891

jellybabe · 12th September 2006, 21:38

Mmh, deemed served yesterday, and already acknowledged?!
Good sign or Bad???

jellybabe · 19th September 2006, 09:58

Today i received another overlimit fee of capital one.
Not sure what to do now, as i filed my claim already??
When they ring up to settle, do i just let them add it onto the claimed money??

jellybabe · 28th September 2006, 12:50

Received letter today regarding my claim.No liability, Blah Blah Blah, will still be adding charges in the future, blah blah blah, but out of goodwill, offered me the full claim amount back.just waiting for the credit to appear on my statement before i let the courts know.
Another one bites the Dust!!

jellybabe · 16th October 2006, 15:33

fully settled!! Donation will be sent shortly.

jellybabe · 30th January 2007, 13:38

Hi, can any of the Mods please change this title to won please?
Thank you!

moses · 30th January 2007, 17:23

Hi jellybabe

congrats on yet another win. I have just sent off my prelim to Cap1 and had a meesly offer which I will only accept as a part payment but could I ask you what interest you added to your charges figure as I keep reading threads about contractual interest etc & really don't understand spreadsheets(or computers for that matter).Did you get the MCOL fee back as well? and where do you actually claim that on the form in the figure with the charges?
sorry to sound like a nonce but I am!
Any help gratfully accepted

jellybabe · 30th January 2007, 23:23

Hi moses,
Cap1 sent me the same offer of £150 three times. And all of them i accepted as part payments, but none of them actually got refunded to me.I did my claim with the normal statutory interest only on this one, as i wasn't at that time sure enough how to do it with contractual interest. Could bite myself now, as it would have increased my claim by a couple hundred pounds.
You do get the MCOL fee back, when they pay out.All you have to fill out are the particulars of claim, and then i think at the bottom, amount claimed.....your amount +the 8% statutory interest.Then the court fee.....can't remember if that is filled out automatically, you'll have to have a look. If not enter the amount there.You won't have solicitors costs...leave that empty, and then just the total amount you are actually claiming at claim date (ie.charges, interest and court fee total).
But, if you want to go for contractual rate...you can't do that on MCOL, you'll have to fill out a paper claim form and send it to the court. Because the particulars of your claim would exceed the limit of words you can enter online.
If you have any questions don't hesitate asking.
jellybabe

moses · 3rd February 2007, 17:13

Thanks for that jellybabe I might try the contractual interest again but it baffles me may I ask you for help if needed?

many thanks

jellybabe · 3rd February 2007, 21:15

yep, not a problem

moses · 28th February 2007, 15:18

Hi jellybabe,
not sure if you're still around but am only just about to fill in my MCOL as had a few mental weeks on the homefront

so I was wondering if you used the same template for your credit card POC as the one for bank accounts as I can't seem to find anything else
Thanks

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