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    • Thank you for that "read me", It's a lot to digest, lots of legal procedure. There was one thing that I was going to mention to you,  but in one of the conversations in that thread it was mentioned that there may be spies on the Forum,  this is something that I've read quite some time ago in a previous thread. What I had in mind was to wait for the thirty days after their reply to my CCA request and then send the unenforceable letter. I was hoping that an absence of signature could be the Silver Bullet but it seems that there are lot of layers to peel on this Onion.  
    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Capitol Bank Plc/Geoffrey Parker Bourne


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Hi Everyone

 

I am looking into claiming against Capitol Bank who don't seem to be around anymore. Does anyone know if they changed hands,so to speak ?

 

I had an account/overdraft/loan/credit card with them a number of years ago which resulted in me getting way into debt. I believe the solicitors they used were Geoffrey Parker Bourne.

 

Any info would be great.

 

Thanks.

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I've just Googled and found Capital Bank, which appears to be a loan company.

Click on the link......

 

http://www.guaranteed-uk-loans.co.uk/app02/index.php

 

Or there is Capital One Bank PLC.

 

Cannot find any more without more information.

 

Hope that this is of some help to you.

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Alternatively, try contacting Geoffrey Parker Bourne themselves. The following link will give address, etc..........

 

 

http://www.gpblaw.co.uk/contentok.php?id=12

 

 

 

Ask them how you can contact the bank.

If the bank was taken over or absorbed into another bank, they might be able to give you the information to enable you to contact them.

 

If the bank was just disolved then you're out of luck.

 

Good luck. Hope you find them.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

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Hi,

 

Thanks for that.

 

I do remember now that they were part of Bank of Scotland. I've been trying to find out how I can contact them, I've found Capital Bank Motor plc and Capital Bank Marine ??! Does anyone know of a central Capital Bank Head Office address I can write to ?

 

Many thanks for your help.

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I'm also reclaiming charges from Capital Bank Group (motor).. they sent me a statement of my old car loan the other day. Note this is spelt Capital, NOT Capitol

 

Address on footer is City House, City Road, Chester CH88 3AN

Direct line 0845 606 1654

It is this address that i have sent all my letters and faxes to.

 

Note: They are part of Bank of Scotland Group NOT Royal Bank of Scotland

 

Registered Office for Capital Bank plc (Co. No. 392902) is Capital House, Queens Park Road, Handbridge, Chester CH88 3AN

 

All the leasing and Asset Finance companies are registered at:

Thistle House, City Road, Chester CH88 3AN

 

The Scottish Companies are registered at:

Bank of Scotland, level 1, Citymark, 150 Fountainbridge, Edinburgh EH3 9PE

 

I faxed their Recovery Section on 01244 693911 and requested a statement of all transactions (without sending them the £10) and it was supplied within about 3 days through the post. No letter with it though, just the statement... I guess they know what's coming ;-)

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I'm often a sarcastic SOB and speak my mind (and I don't do PC at all), but I have a laugh as I go. I won't be intimidated, and I don't take prisoners... so live with it, or go get yourself a humour implant :p

 

Copy of Law book from Amazon…£19.95, Refund Request stamp...32p, LBA stamp...also 32p, Court fees...£750.00,

The look on the bank's barrister's face, when they lost the '£25k Mother-of-all unfair charges' cases...(plus his £8k+ of costs)... Priceless!

 

The legal bit: These are my opinions and own view of legislation and process. I accept no liability whatsoever for any outcome as a result of anyone invoking any or all of the advice given - clarify your own personal stuation with an insured legal professional.

Saying that, I've used these methods against many of these corporate crooks:evil: and won hands down!:D

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  • 9 months later...

Hi everyone,

 

I'm new to this particular forum, as i've just finished a claim with Lloyds, I thought i'd start on Capital Bank. Not sure if this is the right forum but i'm under the impression it's part of the BOS.

Anyway sent off SAR on 16 March to Capital Bank, so 40 days are up on 25 April.

 

Waht I was wondering, i've read the sticky regarding how long banks keep information, but I've not come across anyone who has claimed against Capital Bank. Also, as Halifax and BOS have merged, does his have any effect on my claim against Capital Bank ?

 

Many thanks

 

Katie

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Actually after reading what threads I could regarding claim against Capital Bank, I've noticed that these are all car loans. I held a credit card and loan with them. Are we all talking about the same Capital Bank, City House, Chester ?

 

Thanks

 

Katie

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Hi, In the Other Institutions Forum there is an Address for Capital Bank.

 

Capital Bank Public Limited Company

Capital House

Queen's Park Road

Handbridge

Chester, Chesire

CH88 3AN

 

Don't know if this helps any.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

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  • 2 weeks later...

Hi,

 

I sent the SAR to Capital Bank at

Capital Bank PLC

Capital House

City Road

Chester CH88 3AN

I've had no response and the 40 days time scale is up. Should I continue to send the non compliance letter to this address or could it be they have moved re last message ? Should I send it to that one instead ?

Many thanks

Katie

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Hi, Katie.

 

You should send it to the address you have already used, both addresses are almost identical, post code ect. Its probably all the same office. The address I have given you above is the one a Moderator has posted as a sticky for Capital Bank.

 

Best wishes.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 1 month later...

Hi everyone,

 

I thought i'd update you where I am at. I sent SAR off as my first message, 40 days were up on 25 April. A week later, I got a letter from HBOS asking me to confirm my identity. No probs, did this and then started the 40 day limit again. This 40 day limit was up on 17 June, so yesterday I called Mr Mayo at HBOS who sent me the original letter and he advised that my documents will still take another 1-2 weeks. The account ran from 1997-05. Do you think it's worth taking it to OFT or sit and wait ?

 

Many thanks

 

Katie

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Hi kkatiew

 

Do you happen to have a contact number for Mr Mayo. Do you know what team he works in?

It would be good to know what they said about you asking for banking details more than 6 years old.

 

Sorry for the questions but it adds to the current picture. Good Luck!!

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Hi

Did BoS refer you to Capital Bank? Was the credit card thing called a Preference Account with overdraft facility and cash withdrawal facility?

 

Sorry, more questions I know, but I had a preference account and it was a stinker!! I have that on my agenda,

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Could it be: Capital One Bank ????

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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Hi everyone,

 

I am still waiting for my docuements. I am waiting until next Monday when the 2 weeks are up and then if no info arrives then I shall be ringing them again.

 

Viktor Mayo/Lisa Jagger are based in the Data Subject Access Request Team in Halifax HBOS.

 

The account in question was a prefernce account with cheque and overdraft etc. It was passed on to a credit collection agency eventually. I do have a direct number for Mr Mayo if you need it.

 

Dusary - This is Capital Bank which is now part of HBOS, not Capital One (They're next!!)

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  • 2 weeks later...

HI everyone,

 

Today I received my 'statements' from HBOS regarding my preference axxount with Capital Bank. Basically, it's reams of paper saying name, address etc and a balance brought forward figure for each month. Its doesn't show me any transactions, charges or anything. Does this sound right ?

 

Katie

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Hi everyone,

 

I thought i'd update you where I am at. I sent S.A.R - (Subject Access Request) off as my first message, 40 days were up on 25 April. A week later, I got a letter from HBOS asking me to confirm my identity. No probs, did this and then started the 40 day limit again. This 40 day limit was up on 17 June, so yesterday I called Mr Mayo at HBOS who sent me the original letter and he advised that my documents will still take another 1-2 weeks. The account ran from 1997-05. Do you think it's worth taking it to OFT or sit and wait ?

 

Many thanks

 

Katie

 

Just noticed the bits I have highlighted.

 

Why have they been given the SECOND 40-day time limit?

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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I had a reply to another thread from a previous claim which said 'Your appication is only complete once you have satisfied their reasonable identity requirements'.

I took this as once they are happy with my identity then I preoceed with the 40 days limit.

 

Many thanks

 

Katie

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