Response From Cap One To My Prelim Letter

[harley davies]

Hi Guys.

Waited patiently for thier response and all they are prepared to offer is a measly £208 as a gesture of good will. They had imposed late payment/ overlimit fees of £1039 between May 2000 and April 2003 and subsequently added £300+ fees when their collection agency took the matter to Court.
Mr. Udy claims that they have dropped their fee in line with otherts but hopw he calculates that the value of a good will reduction on 58 separate charges is £208 beats me.
Nevertheless, I would appreciate advice as to what to do next - should I just ignore this and go to the next stage of sending the LBA as acceptance of this lousy offer is seen by them to be the closure of my complaint.

Thanks

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[lips37]

Hi, Reject offer and send them an LBA letter for the full amount.

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[ian cognito]

Yes, carry on and stick to your timetable, they are consistantly offering the £8 difference between the £20 they charged and the £12 'allowed' by the OFT report. Ignore this, it's not what the OFT report says and a penalty is a penalty unless it reflects true cost.

Good luck !

[harley davies]

Thanks for the advice. However, I am now rather confused as to what I should include in my LBA as wanting to recover. My total charges were £1039 up to April 2003 and I have calculated that the interest they have charged me up to then on these charges was £333.25. At the time that their collection agency placed the matter in court the claim made was for £1211.26 plus costs. Since the court hearing in June 2004, I have paid a substantial sum to the agency as agreed by the court. What about this money? can I claim this back as well? Any Ideas please?

	Small Claims kit by Lawpack Sue your bank as many times as you like with just one Small Claims kit by Lawpack. Follow this link to read the review. The kit contains everything you need: instruction manual, templates, examples, forms and a comprehensive CDRom. Applies to England and Wales

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[lips37]

Hi hd. 1st of all have you thought about recovering your compound charges from capital one as this will proberly double your claim thats what im doing at the moment ive got a claim for £400 but with the contractrial interest @ 29.94% it brings this total to £874.00.

Yes you can claim back the money from a dca.

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

	Debt collection library Follow this link to our debt collection library. This library contains templates and advice for dealing with debt collectors who act oppressively or unfairly. This library is work in progress and will be built up over the next few weeks. 17.03.09

[pmhcfc]

Originally Posted by harley davies

Thanks for the advice. However, I am now rather confused as to what I should include in my LBA as wanting to recover. My total charges were £1039 up to April 2003 and I have calculated that the interest they have charged me up to then on these charges was £333.25. At the time that their collection agency placed the matter in court the claim made was for £1211.26 plus costs. Since the court hearing in June 2004, I have paid a substantial sum to the agency as agreed by the court. What about this money? can I claim this back as well? Any Ideas please?

Have you got a CCJ on this ?? If so then you must continue to pay that..Claim everything back off of Cap1 BUT in your LBA demand that they 'set-aside' the CCJ + you want to caim back the legal expenses of that said CCJ (Which I'll guess at a figure of £90 odd quid)...You could well get the CCJ set aside if the figure for the CCJ was made up of mostly charges.

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	Small Claims kit by Lawpack Sue your bank as many times as you like with just one Small Claims kit by Lawpack. Follow this link to read the review. The kit contains everything you need: instruction manual, templates, examples, forms and a comprehensive CDRom. Applies to England and Wales