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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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deedee1310 v Capital One **WON**


deedee1310
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Dear All,

 

to cut a long story short, Cr*pital One defaulted my account in May 2005 and obtained a CCJ against me in Jan 2006. My account defaulted at £684.11 due to their excessive penalty charges (my limit was only £200).

 

I am wondering how to proceed with regards to claiming back my money and getting the adverse credit removed.

 

I have (yesterday) written to their Legal Compliance Department with a CCA request. I'm going to try and follow this route to see if I have any sucess in removing my adverse.

 

Is it wise to do this? I would still like to claim back the £600 (or more) odd pounds that they charged me in penalty fees.

 

As an alternative, should I apply for a set aside to the CCJ, on the grounds of dispute with the claimant due to penalty charges that were levied, which (if successful) would remove it and take it back to them? :confused: :confused:

 

Any advice that you all have, will as always be greatly appreciated.

 

:)

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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I have finally bitten the bullet and decided to engage Cap One on two fronts.

 

I have sent them a CCA request last week 11/6/07 and today, I have sent them a preliminary letter requesting £910.87 for charges. I sent my lovely request to:

 

Capital One

Mr R Udy,

Executive Office Manager,

Capital One (Europe) PLC,

Trent House,

Station Street,

Nottingham.

NG2 3HX

Using contractual interest at the rate they were charging me (34.9%) the interest they owe me is £910.87 plus the £910 they charged me = Grand total £1820.87.

If I was wrong to do this, then no doubt all the lovely people of this forum will tell me. :D

Look forward to your comments shortly.

deedee

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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Can anyone advise?

 

Bryan Carter keep calling me. I really don't want to speak to them at the moment. However they were successful in obtaining a CCJ against me for this debt and even got a Warrant of Execution which I paid. This was all before my CAG days. :mad:

 

I received a letter from them in May stating that the debt for the judgement had been satisfied but that their client (Crap One) still reserved the right to pursue me for the outstanding balance (or words to that effect).

 

I have sent my Prelim letter to Crap One last week as you will know. The penalty charges that they levied against the account were four times my credit limit!! :mad:

 

Should I apply for a set aside due to the fact the CCJ obtained was for a debt for which 80% of it is for unlawful penalty charges?

 

I have been advised to do this for CapQuest by P.O.E.T see thread CapQuest CCJ and will do so by the end of this week.

 

As Bryan Carter have managed to get as far as the enforcement stage with me, I just want to know how to word my N244 to have the judgement set aside. I don't then trying to re-enforce the debt whilst I am disputing it.

 

All advice and help will be, as usual, greatly appreciated. :)

 

deedee

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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I'm slightly baffled at Crap One.

 

I sent a CCA request to the Crap Ones on 11/6/07. On 16/6/07 I then sent a request to be repaid £910 with contractual interest at 34.9%.

 

Today I have received a letter thanking me for my recent enquiry, with an enclosure of Terms and Conditions. It is dated 24/6/07. I know that in the Preliminary letter under CPR Pre-Action Protocol 4.6© Terms and Conditions are requested, but these are supposed to be the ones in force at the time your account was opened (in my case 2001). This one is more recent.

 

Has anyone else experienced this?

 

deedee

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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I don't think their terms and conditions have changed since that time. The only thing i have seen, are the PPI terms and conditions, changed recently. I have a set of T&C's i will PM you with. See if they are the same.

 

Uk

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Hi UKAviator.

 

Thank you for your PM. Yes these TCs match the ones that were sent to me.

 

I have another update to add to my thread. I have received a letter today from Cr*p One. They have made me an offer of £20-£12= £8 for each charge levied. Total offer £354 plus £30 for interest charged.

 

This is hilarious as my claim for charges alone is £910. I am also going for default and CCJ removal so this offer is not acceptable. :mad: I'm going to re-read some of the Crap One threads I read before starting my claim, namely Tanzarelli v Cap One... £ + default **WON** but would appreciate any advice. Should I reject the offer OUTRIGHT or should I accept it as PART SETTLEMENT and still claim for the rest?

 

Anyway I'm off to read and start formulating my rejection letter (if at all) but any comments/advice in the meantime would be appreciated. :D

 

deedee

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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Hi Deedee

 

This is the usual response most of us has seen. Rejection letter next.

 

Uk

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Well to update.

 

Today I sent a Combined Offer Rejection and LBA letter to the Cr*p Ones.

 

£354 for a £900 odd claim is ridiculous. Plus I am going for default and CCJ removal, so this isn't going to be entirely straight forward.

 

I have re-read Tanzarelli's thread as he had a default removed as part of his claim, so will be taking my cues from there. However any other input is more than welcome.:D

 

deedee

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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Well deedee

you know my response,

 

 

you are in a win win situation. They are all in a changed climate and pondering. Get stuck in!! (given your family commitments)

 

There is never a better time!

 

 

 

 

Don't back down!! lolxx

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Hi deedee, thought I would come and visit your thread. Both hubby and I both got our defaults removed and as you know cap one also removed my late markers so just keep at them, not sure about the CCJ though. Will follow your thread now.;)

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Thanks doo (I'm resisting the urge to make a rhyming couplet) ;)

 

Any help and advice will be greatly appreciated.

 

 

deedee xx

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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Well the Cr*p Ones strike again!

 

I have received the following in the post today

 

1. My signed application form (not CCA as requested) together with

2. terms and conditions which

3. The Crap Ones reckon forms my agreement.

4. A template of both the default notice and notice of default which

5. they reckon are identical to the letters that were sent to me and

6. screen prints of my account records confirming the dates the default notice and statements of default were issued.

 

They also had the cheek to state that I still owed them £440.11

 

Has anyone else received similar documents? I know some members have received their application forms and others the terms and conditions. I will photobucket all the above later. :D

 

deedee

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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Just had a thought - well I'm thinking out loud so bear with me.

 

  1. Cr*p One obtained the CCJ against me for the sum of £256. The default balance showing on my credit file is £684.11. I have been through all the paperwork I have and the only thing I have with regards to this judgement is the N30 Judgement for Claimant, which they obtained in default, and bailiffs letters for enforcement of the judgement. They obtained this because I did not defend their claim (I didn’t get any paperwork). So like my Cr*Quest CCJ, this is another situation where I have not received the relevant paperwork.

2. Why did they claim for £256 if they defaulted me for more?

3. I am claiming for default and CCJ removal as part of my settlement. I have seen successful claims for removal of defaults and adverse credit markers but nothing on CCJ removals. Am I the first to go for this?

4. Bryan Carter applied for a Warrant of Execution to enforce the debt. I paid it this year. They sent me a letter in May 2007 stating that the judgement debt (£256) had been satisfied but that I still had an outstanding balance of £495.11 that needed to be cleared and that Cr*p One reserved the right to issue proceedings for the balance (I dare them) :mad: Does this mean that with regards to the judgement debt, there is nothing more they can do?

5. I have sent a CCA request and received the rubbish as highlighted in my last post (I will upload these docs soon). How can I use these to my advantage?

6. I will make an SAR as I really need to see ALL the information they have on me as I realise now that isn’t just about reclaiming unlawful penalty charges for me.

Sorry for going on. I’m trying to work out a plan off action as I sent my LBA a couple of days ago and have 14 days to decide how to proceed. Thank you all as usual.

deedee xx

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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Hi dee dee

You're definitely not the first to go for removal of CCJ as I know I've read at least 2 threads where this has been tried. Unfortunately I can't remember where they were:( From what I do remember though it was very complicated and I have a vague recolection of reding info about it in the general debt forum. It may well have been something posted by seaside lady but i also may be wrong. Worth an ask though

Trev

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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Thank's Trev. I'll keep searching.

 

deedee x

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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Hi Deedee

 

Keep the charges claim and the default removal together, as a package. They will remove the default and give the charges back eventually.

 

Uk

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Thanks UkAviator.

 

I guess I'm more concerned about the CCJ. I haven't seen anyone else do this yet. I don't want to have to pay for a set-aside. They had no right pursuing one in the first place and I realise now that I didn't receive the paperwork at the time, in order to defend the claim.

 

I have insisted on it's removal alongside the default as part of my claim. I really want to know how to word this on my POC when it comes to that stage. I have Laiste on the case with regards to my Cr*pQuest CCJ so perhaps I should ask her about this one too.

 

deedee xx

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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Yes that's a good idea. Laiste is very good on here. If you do need help i am willing to assist, although i am watching 7 people at the moment giving them a helping hand with spraedsheets etc.

 

Uk

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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  • 2 weeks later...

I didn't issue my N1 in the end this week for a couple of reasons.

 

1. Upon further re-examination of my spreadsheet, I realise that a formula was wrong so the contractual interest wasn't calculated properly

 

2. Money!!

 

I have decided to send a second LBA to Crap One with the amended schedule and give them another 14 days to comply. On day 14 I will then issue my N1.

 

As it stands, I have today received another offer letter from them in response to my combined, rejection and LBA letter. So I will respond as above and take it from there.

 

deedee

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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I didn't issue my N1 in the end this week for a couple of reasons.

 

1. Upon further re-examination of my spreadsheet, I realise that a formula was wrong so the contractual interest wasn't calculated properly

 

2. Money!!

 

I have decided to send a second LBA to Crap One with the amended schedule and give them another 14 days to comply. On day 14 I will then issue my N1.

 

As it stands, I have today received another offer letter from them in response to my combined, rejection and LBA letter. So I will respond as above and take it from there.

 

deedee

 

Hi Deedee

 

Was it one of the site's spreadsheets?

 

Uk

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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It was Vamps Spreadsheet 13 - which BTW does what it says on the tin (it works)!

 

I exported it to Excel and for some reason the whole formula that works out contractual, didn't copy over. I did find it odd that the interest for contractual was almost the same amount as my amount of charges. It only came to my attention when I was helping a friend with the same spreadsheet and the contractual interest figure was almost as the 8% Stat interest figure.

 

It makes a difference of over £800 on my claim so I need to allow them this time. I know that it's the schedule filed at court that is the one that needs to be absolutely correct but I wanted them to be aware of the amended amount before I file.

 

Hope this makes sense! :D

 

deedee

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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Yes it does make sense. You have to remove all obsticles or the case could be thrown out.

 

Uk

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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  • 2 weeks later...

Hi All.

 

I received another stupid offer letter from Crap One yesterday. I will be filing my N1 on Monday. Hmmph! :mad::o

 

deedee

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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