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Lickthewallfatboy v Capital one **SETTLED IN FULL**
Story so far....
got wife's statments in.and they owe her £198(which will clear her card)
Request for refund sent -semi sod off letter from Robert Udy recieved today(with a photocopied signature-his poor wrist must be getting sore!!)
Kindly offers 4 weeks to investigate it-sorry Bob.Time is running out-LBA despatched yesterday, post haste.
Crapital One Try "refunding The Difference Tactic"
This outfit have sent my wife a letter offering £134 as "goodwill payment" out of a claimed £198,because it's the difference between their fees and,Quote-"the £12 recommended by the OFT"!!
Accepting partial payment and amending the crappy little acceptance letter to say that we are going after the rest.And the cheeky sods also asked for £30 as a payment had not been made on the account since May!!
£198 will clear the complete balance,so they can FOXTROT OSCAR-thanks very much!!
Have now reached the end of the letter writing line with Crap One-they have now offered the same amount twice in partial payment,despite the first offer being refused.
Robert Udy sent the Mrs a letter this morning digging his heels in with this being his "final" offer
Had great pleasure in writng back to him for a final time,informing him that court action for £303 has just been lodged,and that he can stick his £134 where there is a lack of natural daylight.....
i dont understand their inconsistency, they paid my charges back after lba £120!
I QUESTION THEREFORE I AM!!
Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you!
There are stacks of success stories against Capital One (have a look in the litigation concluded section to see for yourself).
Stick to your guns, they'll pay out!
** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **
I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"
The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim
we have intitated small claims action against Capital One-but still the frozen brains at capital one keep ringing asking for money.
The account outstanding is £238 on a £200 limit,and they are being sued for £303.The Mrs got fed up telling them that they owe us more than we owe them and that it's now going to court,so when we got a call on the mobile last evening from capital one(private number,the sneaky gits),she was ready for them.I had primed her with advice from the membership here.....
C-ONE-can you confirm your details please?
MRS-who are you?
C-ONE -Capital one
MRS-prove it-give me your details...
C-ONE-I can't do that
MRS-so you could in fact be anybody and you're asking me for my personal information?Sorry...
C-ONE-we need to talk about your account
MRS-can you prove to me you are who you say you are?
C-ONE-the answer to that would be, no I can't
MRS-well your getting nothing out of me-bye bye
I was in fits listening to this-she did me proud!!!
I keep getting hassled by them om the phone too - will follow your wife's example!!
Abbey Prelim Letter sent 16/06/06 - LBA sent 30/06/06 - MCOL served 22/07/06 - Acknowledged 26/07/06 - Defended 16/08/2006 - Settled 20/09/06 :o Abbey 2 Prelim Letter sent 22/09/06 Abbey 2 LBA sent 9/10/06 MCOL 03/11/06 Cap One Prelim sent 28/06/06 - LBA sent 13/07/06 MCOL served 05/08/06 - Acknowledged 02/08/06 - Served 05/08/2006 -Settled in full 22/08/06 Halifax Prelim sent 03/07/06 - LBA sent 17/07/06 MCOL issued 03/08/06 - settled in full 09/08/06 MBNA S.A.R sent 21/08/06 Settled 21/09/06 Morgan Stanley S.A.R sent 29/09/06
how dare you break away from their script and throw some poor call centre operator into panic.
i can picture someone looking down a list of standard answers trying to find one suitable, this is when they uuummmm and aaahhhh
these people are only prepared for lambs
got wifes cap 1 statement before her this month £40 charges this month SAR sent and will start a wife thread as soon as i get total.
could be a fairly big total
Capital One offer to refund in full before it gets to court!!
Letter from Angelina Wilson in the executive office just arrived-no acceptance of liability of course.They are giving us this money out of the goodness of their hearts,in a spirit of goodwill.
They say that they have acted in accordance with their T&C's and it is clear that we have no claim against them.Then why don't they have the balls to stand up in court and defend themselves?Well,we all know the answer to that one.....
all together now- AAHHHHHHHHHHHHHHHHHHHH
what a way to run a business.Giving away money because they want us to feel good
So now the balance will be cleared in full,and they now owe us money .
MODS-will wait until we get confirmation that all has been confirmed in writing as "settled" before amending the litigation section.
yes Ally,I'm from NI with Northern next in my sights, big style.
They are in breach of the DPA,and I've had to estimate charges on top of the £2K I know they owe me,of another £2.5K roughly.If they cough up the first £2K(as we know they will),I'll be looking for the whole lot,or I'll take them to court for the DPA breach as well!!
I've learnt the hard way not to take any prisoners in this game.Just lay it out straight and they are left in no doubt where you're coming from.
A complete and total shower of wasters from start to finish.
Tell me something - when you were doing your Capital One claim, did you lodge your court papers with NI small claims as they have told me it could delay things as the papers have to be served outside their jurisdiction?
I had a nice call from our friends at capital one yesterday afternoon - I copied you and said I dont give details out over the phone as she could have been anyone. Really floored her!!!! Good idea and when you think about it - how many times have I done that before without thinking!
Havent started my own thread yet - want to sort out the NI dilema and companies across the water. Imagine it could be a point needed to be brought to the attention of all NI victims
Ally
I think you PM'd me when you joined the site-I remember now!I'm in Co.Armagh-don't want to tie it down more in the open as you don't know who is watching!!Your husband isn't too well...??
Anyway-don't worry about the NI claim affecting things too badly.There will be a bit of a delay,but when the Claims Office In Chichester Street "query" your claim(as they have to do as it's being served across the water),they will send you out a form to sign and date.It is just to give assurance that you are not pursuing a similar action against the same bank on the mainland.Just sign and date and return with a simple covering letter detailing the claim details and court number you will be allocated when you start your online claim.(It will begin 06/xxxxxxxx.)
Now,to speed things up a LOT(and Miss Magee in the Claims Office is totally ok with this-I've spoken to her on the phone,and she is really helpful) ,simply photocopy the form they send out (before you sign it of course) several times for how many claims you think you will have.Then when you start a new action,post off the form signed with a covering letter the same day you lodge the online claim,and the whole thing gets activated right away,ready for papers serving.It does cut a few days off the process.
if you need any help,just PM me and I'll be glad to help out.
Tell me something - when you were doing your Capital One claim, did you lodge your court papers with NI small claims as they have told me it could delay things as the papers have to be served outside their jurisdiction?
I had a nice call from our friends at capital one yesterday afternoon - I copied you and said I dont give details out over the phone as she could have been anyone. Really floored her!!!! Good idea and when you think about it - how many times have I done that before without thinking!
Havent started my own thread yet - want to sort out the NI dilema and companies across the water. Imagine it could be a point needed to be brought to the attention of all NI victims
whilst you must always begin with the intention of going all the way to court, i think that you will find that these bankers do not want to go all the way
Capital One agreed to my demands fully,so once we get the cheque,and confirm via the automated service that the balance is clear,the court action will be stopped.
Lickthewallfatboy v Capital one **SETTLED IN FULL**
-his poor wrist must be getting sore!!)
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Originally Posted by allyb
