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Yeah i've been reading up on the wins with Capital One. I have no problems taking it to court, the default amount is only £300 odd, and was applied 4 years ago. Based upon that, and the fact most of it is made up charges i'm hoping they wont bother persuing a court case for such a small amount of money.
NatWest - WON! £3350 Paid back Vodafone - Default removed Citicards - Judgement awarded for £1898, default remains though...for now.... Capital One- WON! Settled out of Court £392 + Default Removal!
All statements and manual intervention recieved today (very promptly, and Special Delivery too!).
Charges only amount to £360, spanning a year but the point is it amounts to more than the default amount they placed on my credit file (hurrah!). Preliminary Request for Repayment to be sent first thing tomorrow.
NatWest - WON! £3350 Paid back Vodafone - Default removed Citicards - Judgement awarded for £1898, default remains though...for now.... Capital One- WON! Settled out of Court £392 + Default Removal!
Ok, the 8% you can ask for at the court stage, not in your preliminary letter. You will probably get a small offer of some charges back, but if you follow the procedures you should get all of your charges back. You will have to file with the court first though. It has been this way for over a year now.
Yeah i realised my error this morning, i've sent out the letter not inclusive of any interest charges, and i've stated this in my Preliminary letter. I will argue the Interest if/when it gets to a court stage, we're not talking a massive amount here though, roughly £30.
The main thing i'm looking to resolve is the outstanding default, which is less than the total accumilated charges.
NatWest - WON! £3350 Paid back Vodafone - Default removed Citicards - Judgement awarded for £1898, default remains though...for now.... Capital One- WON! Settled out of Court £392 + Default Removal!
'Our offer stands, get lost sucker, here sign another form (which they didnt attach), this is my final letter, let's put this behind us so we can save the court's valuable time.'
Ellie Renshaw.
I find the last bit hilarious! Save the courts valuable time! How about you just pay me instead then!
I'm going to file an N1 soon (when funds allow as decorating comes first!). How much does is cost to file? Amount is only around £350...
I suppose the steps after filing will include, full offer, neglecting the default on my Credit File. They tell the court i've settled. I then disagree, they remove default, i go and buy my new tv?
NatWest - WON! £3350 Paid back Vodafone - Default removed Citicards - Judgement awarded for £1898, default remains though...for now.... Capital One- WON! Settled out of Court £392 + Default Removal!
Remember to mention clearly on your N1 that this is regarding a credit card account otherwise it gets stayed automatically until the OFT case.....i made this mistake and then had to send separate forms and charges requesting a lift on the stay...
When I handed mine in the clerk said they knew Crap One it weren't bank claims so there wouldn't be a problem, and there wasn't. To make sure, I put "......return of penalty charges levied to the claimants Crdit Card Account" in the Brief Details of Claim part on the first page of the N1. Suppose it depends what Court it is as well and how up on things they are. I filed at Walsall. Did the same on OH's Snatchwest claim and that hasn't been stayed either.
Thats what I did on mine, except I didn't have a self litigation fee (whatever that is). I put the part about the daily rate underneath the total that I'd put in the value part.
As you've already got a Capital One thread of your own best thing to do would be to post any questions on that.
MKandy vs Capital One "WON"
) request sent yesterday, going to reclaim any charges and get the default off too. Should be relatively simple!
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Surely life can't get any worse it has to only get better from hear on out