charleyfarley v Cap1 ***WON ***

**charleyfarley** · 13th July 2007 19:49

Evening everyone,

Thanks to the Abbey icon

paying me lots of money back, I am now able to visit you here and set about claiming lots more off our good friends at Capital1.

I've got all the relevant statements all neatly filed, the spreadsheets are calculated courtesy of the fabulous mindzai so now I'm just off to visit the super dooper new Generator for a couple of Prelims, and we're off and running.

Two claims, one visa, one mastercard.total inc CI about £2K, so not too excessive, but it'll keep me busy while there's no football on the box

Similar Threads:

**andypal** · 13th July 2007 19:54

Hi Charley!
How are you doing? I see that u are indeed getting busy whilst the footie is not on the box. Wish u all the best with Crap 1.

Andy

**charleyfarley** · 5th August 2007 11:08

so after much delay, I've finally got round to the two prelims............quick confirmation question re the spreadies.

I know I can't claim the 8% until the N1 stage, but with CCI, do you include all this interest icon

with the initial schedule of charges?

**ukaviator** · 5th August 2007 22:19

You have to inform Capital One icon

from the start, thast you intend to claim back what they have charged you. So ask for everything in your prelim letter.

You can only claim back CCI or the 8% as an alternative. You can't claim both.

Uk

**charleyfarley** · 7th August 2007 21:56

well after much hassle with printers,ink etc................two prelims done and ready to post tomorrow............total value a little over £2.3k

**steven4064** · 7th August 2007 23:03

You're on your way charlie - keep us posted

**charleyfarley** · 26th August 2007 18:01

Well!!

Messrs CapOne have been very efficient indeed

10 days after my prelims they penned me two letters( one for each account) . Usual standard stuff about the charges, the £20 the £12, and a GOGW refund,with a payment on account for the interest icon

.

I've been away for a week, so only received this letter yesterday, but the GOGW was credited to my accounts on the same date as the letter was written, so I must write back to them and say "thank-you- very-much"

It amounts to a refund of about 25% of my total claim,which is more than welcome, but I will be preparing my lba icon

tonight.

**ukaviator** · 26th August 2007 18:39

Good. . . they do this quite often, hoping you accept the refund in full and leave the rest.

**charleyfarley** · 13th September 2007 21:05

I've been busy with other things, but lba icon

time has eventually arrived!!!!

The question is this........the refund GOGW says it's to refund the difference beteween the £20 earlier charge and the £12 now considered "acceptable". With CCI this makes a massive difference to the claim value because these are the oldest charges.........can I just show a refund figure deducted from the total value of my claim, or is this being too cheeky????????

**WendyB** · 14th September 2007 10:42

Yes, you could do that I would think. Or combine an lba icon

with a partial acceptance or rejection, I did that with them, still got me nowhere though, have now filed at court. I've just done that with a Natwest icon

also but have also chucked in a bit referring them to para 1.11 of the OFT report "
"May I also direct your attention to paragraph 1.11 of the OFT report of April 2006 “Calculating fair default charges in credit card contracts” which states:-
“The setting of the threshold is a provisional practical measure to move the whole market towards compliance. We are not proposing that default fees should be equivalent to the threshold, and a court will certainly not consider that a default fee is fair just because it is below the threshold.”
Don't think this will make much difference either, but you never know. Lets em know you mean business.

**steven4064** · 14th September 2007 10:45

Charleyfarley

What Wendy says is bang on.

**charleyfarley** · 14th September 2007 23:17

Thanks for your thoughts guys

The way I see it is this.........."if you don't ask you don't get", so that's what I'm going to do

**KnellyK** · 8th January 2008 23:23

Blimey CF it's a bit dusty in here ~ I was looking to you for inspiration, but only found cobwebs

!

What's going on?

**charleyfarley** · 18th January 2008 01:17

I know, I know..............I've been idle....well actually, I've been busy doing other things, but a$$ in gear time again, and off we go onc more

**KnellyK** · 18th January 2008 14:26

Originally Posted by charleyfarley

I know, I know..............I've been idle....well actually, I've been busy doing other things, but a$$ in gear time again, and off we go onc more

I'll race you!

And we can compare notes!

**charleyfarley** · 19th January 2008 02:30

right.....you're on! I'll get myself back up to speed this weekend

**KnellyK** · 20th January 2008 23:34

Originally Posted by charleyfarley

right.....you're on! I'll get myself back up to speed this weekend

So CF..... how's it going?

**charleyfarley** · 22nd January 2008 00:15

Originally Posted by KnellyK

So CF..... how's it going?

you're only asking because you know I've done eff all:o :o

**KnellyK** · 22nd January 2008 00:46

Originally Posted by charleyfarley

you're only asking because you know I've done eff all:o :o

Correct!

**charleyfarley** · 14th February 2008 23:55

Well, after much delay and general idleness, I've finally got my act together again..............update d my two claims, and written the lba icon

so battle is joined once more

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