**********won************

[HSBCrusher]

Hello Ladies and Gentlemen in Capital one.

I am now moving on to good old "what's in your wallet - nothing capital one has taken it all" Capital One.

I have today sent off my first letter, giving 14 days to comply (a bit like that nasty robot in Robocop)

Crusher

[gargoil]

Do you think if enough of us go after Capitol One then we could end up owning the company?

Good luck, but then again luck has nothing to do with it I guess!!

[HSBCrusher]

Originally Posted by gargoil

Good luck, but then again luck has nothing to do with it I guess!!

Thanks Gargoil.
my words exactly!

[HSBCrusher]

Well, came home from my holidays to a really lovely letter from a Mr Udy.

"Oft say £12 is "likely to be fair" (snigger!) so we will change the charges you have incurred.... take £300 as goodwill gesture blah blah.... our charges are in line with competetors..... blah blah blah to avoid further fees keep within the limit.... blah blah"

(usual stuff.... not phased at all of course!)

My reply.


18 August 2006

Dear Mr Udy,

CARD/ACCOUNT NUMBER: XXXX
REF XXXX

Thank you for your letter offering £300 on the 14th August 2006

I would like to answer your 2 points raised in your letter. Firstly you say that the OFT have said that £12 is a figure that is “likely to be fair”. In reality £12 is the mark at which the OFT feels they will be compelled to intervene, therefore the true cost is well below this figure. You also state that your charges are in line with other cards. This well might be the case, but it does not make the level of the charges fair, it just means that these other institutions are also charging unlawful charges. As it happens, M&S money charge £5 which is still too much, but does demonstrate that £12 is excessive.

I do not believe that it costs even close £12 to “write” a letter or go over a limit, and I do not believe that a judge will either.

I calculate that you have taken £644 plus £95 which you have charged me in interest for the sums which you have taken. Total £739. Of course I will accept your offer of £300 towards this full amount.

I require repayment in full of this money. I give you a further 14 days in which to do so. After that I will proceed to small claims court without further notice, and then you will also be liable for costs and interest at 8%.

Yours faithfully,

Crusher

[HSBCrusher]

Well, what a curt response.

"£300 is all I am offering so bog off and see the ombudsman."

oooh, I am now really frightened and I think I will leave it there (yeah really )

well cap one, when the 28 days are up, (14 +14) you will be receiving a mcol.

[HSBCrusher]

Money claim sent off this evening, will be processed on Monday morning.
The costs for cap one have really jumped now, its not really in your interest to mess with members of BAG if you are out there.

[HSBCrusher]

Confirmation of Moneyclaim received yesterday.

tee hee.

great fun

[Pixlmixer]

Thax Crusher for the letter and reasurance. I have given Mr Udy another 14 days to respond - see letter in my thread - by which time I'll be able to afford the court fee and, newly encouraged, I will see it through to the end...

[HSBCrusher]

Excellent!
keep it up, you will succeed!

[darling]

Oh Crusher i've got a letter today from Robert Udy, talking about my credit reference file etc and nothing to do with my Subject Access Request. Anyway i looked in templates library and have send non-compliance letter no. 1. Will wait and see what happens next. Although i've have already had letters from Katherine Blunt - Legal Dept, saying information being sent to me soon. So in your expert opinion what will happen next?

[HSBCrusher]

expert? dont know about that.

wait for your information, the letter should gee them up a bit.

They seem to be rather slow to me... I put in my mcol on the 8th, still no reply whatsoever...