Consumer Action Group envelope labels
You are part of a community of over 195,000 people.
Let your bank know that you won't give in.
Display one of our labels on your envelopes.
 Full description here
Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p
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Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road
London
NW11 7PE
| | | | CAG Announcements
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To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
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Are you being threatened over debts more than 6 years old?
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Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide Have you been defaulted?
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| | | | | | Welcome to The Consumer Action Group
and
The Bank Action Group
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.
Good luck claiming your bank charges. We strongly suggest that you register under a UserID and not your own name |  | 
18th May 2007, 14:10
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#2 (permalink)
| | Gold Account Customer
I am in: Sunny Suffolk
Posts: 463
|  Re: Me V Cap One
Hi Louise
From reading a lot of the Cap1 threads on here I've noticed that in the past they have settled very soon after the CC claim was issued to them. However in your case it would seen they intend to push it further, but if they do, don't worry. Read up all you can, get it right (plenty of help available here on CAG!), and all the indications are that you will get your money back.
Will watch your thread with interest - Adam. | 
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18th May 2007, 14:31
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#3 (permalink)
| | Platinum Account Customer
I am in: World of PPI.
Posts: 1,899
| Re: Me V Cap One
Not wishing to make you nervous, but do you have or could you get hold of your T&C's? | |
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18th May 2007, 15:32
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#4 (permalink)
| | Site Team
I am in: 10 Miles Final
Posts: 9,773
| Re: Me V Cap One
Hi Louise
The Lloyds win was because of the preparation for the day in court was incomplete. It's business as usual for the rest of us. If you have to go, get the terms and conditions ready to take in with your court bundle.
We are all, behind the scenes scurrying around compiling t&c's for use in the bundle. Don't worry .. not long now by their history..
Uk | |
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31st May 2007, 10:34
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#9 (permalink)
| | Gold Account Customer
I am in: Sunny Suffolk
Posts: 463
| Re: Me V Cap One
Well done Louise - many congrats! Achieved in only 2 weeks as well!!!!!
All the very best - Adam | |
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31st May 2007, 17:32
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#10 (permalink)
| | Site Team
I am in: 10 Miles Final
Posts: 9,773
| Re: Me V Cap One
Well done Louise, a phone call to them reminding them of the default removal. You need to keep this as a package. Default removal and full refund will only be accepted. It's your call though whether you accept.
Uk | |
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1st June 2007, 10:42
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#12 (permalink)
| | Site Team
I am in: 10 Miles Final
Posts: 9,773
| Re: Me V Cap One
Amend this to your needs Louise. Did you put the default removal in your POC's?
YOUR Street
Town
City
Postcode
Date
BANK NAME
Address
Address
Postcode
Re: Account number XXXXXXXX
Response to settlement offer.
Dear [named sender or Sirs]
Thank you for your letter dated xx/xx/xx. I wish to stress that I will accept your offer as partial payment only towards my claim. The money transfered to my account should not be viewed as my acceptance as a full and final settlement. As my Particulars Of Claim state, i have requested the removal of a Default on my Credit Files.As County Court action has commenced, any negotiated settlement of this claim must include the fees refunded, default removed, interest and court fees. Failure to comply with these points in any settlement offer means that it would not be a full settlement of my claim, and therefore unacceptable. I am a reasonable person and would be happy to negotiate to bring proceedings to a close, but in the absence of any serious attempt at settlement on your part, you can be assured that I will pursue this claim in the most vigorous manner. Should you wish to settle my claim in full, then please remove the default from my credit files without conditions, and I will inform the court that the claim is settled.
I trust this clarifies my position.
Yours faithfully
[signature]
[print name] | |
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
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