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Celtic Tiger

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  1. It would not harm your case and, at least, if they want to argue or discuss it with you, you both have all the information. However, it is not necessary at this stage if you do not want to.
  2. If you know the amount that you want to claim, send the Preliminary approach for repayment letter, available in the Bank templates library. Good Luck!
  3. The fact that CitiCards (a trading name of CitiFinancial Europe plc., ultimately owned by Citigroup Inc., New York U.S.A.) have indicated that they are receiving "dozens of such claims and LBA's from around the country" suggests, by virtue of their application here, that they will be making the same request to every Court across the Country (so who's picking on who here?). To allow it on this occassion would set a precedent which may adversely affect the claims of other individuals, countrywide, who are attempting to claim against what is a corporate entity who, I believe, have more than enough resources already in place to defend such claims, something which, individuals generally do not. As to the issue of costs, it is up to the individual Court to decide costs on a claim per claim basis and this comment assumes that all of the claims are to be heard in Small Claims Courts when this may not be the case, their point here, therefore, is unsubstantiated. Can they provide evidence of other current claims to susbstantiate their comments? On the other hand, would it be easier to agree to this? They won't be expecting you to agree to their application without some fight. Personally, I think it is just another stalling tactic. Ooh, don't get me going
  4. Once your Tax Return has eventually been filed and if you do not owe them any money, they will remove the late filing fee and any "interest" that it may have accrued. I have recently received a tax REBATE of £1,200.00!!! All late filing charges and interest have been dropped, my only gripe is that an amount of £44.78 was deducted from the total sum. This was called a "Repayment Supplement", what the hell is that then?
  5. Received today; Mr. XXXX XXXXX XXXXXXXXXXXX XXXXXXXXXXXX June 2006 Dear Mr XXXXXX Important Information about Capital One and the Banking Code Please note that this letter is for your information and you do not need to take any action. The purpose of this letter is to advise you that during an internal review we discovered that we had sent you a book of credit card cheques and one cheque in the book had been pre-completed. We are commited to ensuring that we strictly adhere to the Banking Code. In March 2005, the Banking Code introduced new guidance for Banks which included the requirement that credit card companies should not send customers 'pre-completed cheques'. Please accept our apologies for sending you a cheque filled out with your name and a set amount. Capital One is fully committed to the Banking Code and we have now taken steps to ensure that pre-completed cheques are no longer issued to any of our customers. I would like to reassure you that the pre-completed cheque you used was processed to your account properly. However, if you have any queries with respect to this matter, please call us free on 0800 952 5097 lines open Monday-Friday 8am-8pm Yours sincerely, Sarah Mant Customer Accounts Manager. ************************************************************* Needless to say, I will be drafting a response to this asking exactly how the cheque was "processed to your account properly" and some other searching questions. Has anyone else received this letter?
  6. Thanks, 2 litre VVTi Toyota Rav 4. X reg.
  7. Can anybody tell me what they would expect to pay for a 60,000 mile full service on a 6 yr old car that has no problems. My reason for asking is that I want to establish a consensus of opinion which will negate the opportunity of claiming the validity of what I have been charged. Then, I can take the matter further.
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