Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
after being hounded everyday for missing a payment on my credit card, i decided that enough was enough and to claim back a few more charges. i asked for my statements to be sent when one advisor called me, and today they have turned up and not had to pay a penny
so tonight i'l be totalling them up and off the letter goes any advice i may need?
Capital One seem to offer the difference between what you paid and £12 per charge. It is very tempting when their letter arrives. You need to decide what to do after that. Don't expect an offer to refund the rest of the charges at the first attempt.
But also don't let them pull the wool over your eyes by claiming that the OFt say they can charge £12. If what they charged you is more than their losses caused by your late payment or whatever, then it is unlawful even if it is 12p.
Steven
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My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
well i have totalled up £300 in £20 charges upto Sept 2006, and charges after that are set at £12, grand total being £475. THis is a substantial amount as the limit is £800 and im nearly maxxed out after being unemployed recently.
Need to get myself a printer and get the prelim sent off. I was patient with the Halifax and managed to claw back £2214. Im currently in the midst of claiming back £250 from HSBC, and this culd REALLY help my financial situ.
Any news on the test case yet?
Nothing will happen on the test case until early 2008 now. However, Cap1 is a credit card and the OFT case is completely irrelevant so press ahead.
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
thanking you! just wanted to check though...
im posting my prelim tomorrow and want to send it recorded. will this be able to be signed for at Crapital Ones PO Box address?
Yes the PO Box just means that they are taken to a particular point in the building. Mine have all been signed for. Always send every letter recorded. Good luck enjoy queuing at the PO in the morning LOL.
Hi hardcore with Crap1 you will have to go through prelim, lba then file at court before they pay at present they are paying on average three weeks after you file at court.
all the best dpick
Hi hardcore you will get payout as long as you follow the process used here and have a look at some of the particulars of claim used on various threads in Capital One forum I found loads just by going into capital one forum then using the search forum tool with "particulars" as the search option. I would start preparing lba and POC now as you will have to do them and it gives you a chance to check for daft mistakes we all make.
You will of course get capital one's daft letters of we feel our charges are legit etc then goodwill offer of approx 10% to 20% then we will not increase this is our final offer, just keep going using process and time-frames here and they will then settle in full before a court date.
hardcore vs capital1
any advice i may need?
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mum has just given me her old printer so i can hopefully complete the N1 form for my 
20/03/2008 settled in full out of court
