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The Bank Action Group - against unlawful bank charges
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Reload this Page Eddie v Cap1


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Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
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Old 7th July 2006, 12:10   #1 (permalink)
eddiem1
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Default Eddie v Cap1
I sent my Data Protection letter yesterday and is was delivered today so I am now waiting for Miss Blunt to send me my details and then I can get at them.
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Old 7th July 2006, 14:05   #2 (permalink)
give_me_it_back
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Default Re: Eddie v Cap1
Good luck Eddie! Look forward to receiving! they have just paid me back (more than I asked for!) after only 2 letters!
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Old 7th July 2006, 14:10   #3 (permalink)
eddiem1
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Default Re: Eddie v Cap1
Great stuff gimme hope mine goes as well as yours
Why did they not send you your statements
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Old 7th July 2006, 14:14   #4 (permalink)
give_me_it_back
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Default Re: Eddie v Cap1
They sent me a 'list of charges', which, to be fair, was all I asked for...

This bunch were the 1st I took on, and my wording wasn't quite perfect at that time. It is now, and I'm raring to get stuck in to the rest!
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Old 7th July 2006, 14:22   #5 (permalink)
eddiem1
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Default Re: Eddie v Cap1
Good luck gimme I am also taking on my bank NatWest
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Old 13th July 2006, 12:13   #6 (permalink)
eddiem1
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Default Re: Eddie v Cap1
Today I have received a letter from Katherine Blunt informing me that she will forward the info I have asked for as soon as she receives it.
Lets hope its not too long.
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Old 22nd August 2006, 17:29   #7 (permalink)
eddiem1
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Default Re: Eddie v Cap1
I have now received my statements and I have done all the calculations on the excellent spreadsheet provided by Vampiress.
The Prelim letter is in the post today for a total of £761.
I await my first sod off letter.
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Old 7th September 2006, 20:48   #8 (permalink)
eddiem1
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Default Re: Eddie v Cap1
Sent off my prelim letter and the 14 days are now up Cap 1 didnt bother to respond so the LBA will in the post in the morning.
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Old 9th September 2006, 11:04   #9 (permalink)
eddiem1
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Default Re: Eddie v Cap1
Posted my LBA yesterday and surprise surprise got 2 letters from Cap 1 this morning.
One from Nicola Shaw saying we'll look into your account but it will take 4 weeks and maybe longer and the other offering me £281 as a full and final settlement of my claim for £761.
So I will be writing to them today to tell them no thanks I would really like it all.
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Old 9th September 2006, 13:18   #10 (permalink)
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Default Re: Eddie v Cap1
Good man! And remember to keep to YOUR time schedule - don't let them set their own. You have given absolutely reasonable amounts of time to respond, and a judge will recognise that.
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Old 10th September 2006, 20:43   #11 (permalink)
eddiem1
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Default Re: Eddie v Cap1
Reply to Mr Udy done informing him I will accept his offer as partial settlement but want the rest as well and he has until 25th Sept or its off to court we go.
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Old 21st September 2006, 19:34   #12 (permalink)
eddiem1
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Default Re: Eddie v Cap1
Today I received a letter from Mr Udy saying he cant increase his offer and its his final response in relation to this matter.
So therefore he must consider it to be closed.
Oh no Mr Udy its just the beginning, Moneyclaim will be filed this weekend so that Cap 1 will have it served on them next week.
I feel sure they will want to reopen talks again very soon.
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Old 22nd September 2006, 10:33   #13 (permalink)
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Default Re: Eddie v Cap1
The moody Mr Udy!

I'm sure you'll cheer him up when you next chat!
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Old 1st October 2006, 21:22   #14 (permalink)
eddiem1
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Default Re: Eddie v Cap1
Just about to do my moneyclaim and not sure what to put in the particulars of claim.
There was something in the library as I used it for my claim against NatWest but it seems to have been changed, is this ok to use.
Thanks all
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Old 2nd October 2006, 13:21   #15 (permalink)
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Default Re: Eddie v Cap1
5. Money Claim On-Line (MCOL) Particulars of Claim is the thread you want Eddie.
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Old 2nd October 2006, 19:03   #16 (permalink)
eddiem1
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Default Re: Eddie v Cap1
Thanks Reload I will be filing the claim tonight
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Old 2nd October 2006, 22:16   #17 (permalink)
eddiem1
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Moneyclaim done Cap1 will recieve it this week
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Old 9th October 2006, 19:38   #18 (permalink)
eddiem1
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Default Re: Eddie v Cap1
Cap 1 have today acknowledged my claim they now have 28 days to submit a defence
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Old 24th October 2006, 14:49   #19 (permalink)
eddiem1
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Default Re: Eddie v Cap1
I'VE WON

I have just received a letter offering me a full settlement.
I had to laugh though as Cap 1 say it is clear that you have no claim against Cap 1.
Whilst we do not accept liability for the claim we are going to pay you anyway.
They go on to say that they will continue to make their charges and if I am not happy with it then I should consider closing my account.
They want to refund the money into my account but I will be asking for a cheque.
I will also be closing the account in a couple of weeks and just want to know if Cap 1 have given an early settlement discount to anyone as I intend to ask for one.
I want to thank everyone who has advised me on this brilliant site and say to those who are still fighting for their money to keep going YOU WILL WIN.
Can a mod please change the title to WON and I will be making a donation as soon as the cheque arrives its worth every penny.
Thanks again everyone and if I can help just ask.
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Old 24th October 2006, 14:55   #20 (permalink)
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Default Re: Eddie v Cap1
Great news Eddie!! Well done! Good feeling, huh?!

I opened a new account with a 0% interest credit card and moved all the money in to that. That was a pretty good feeling too!
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