Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

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.

£13.95 + £2.00 (P&P)


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  1. 2nd February 2009 23:47 #1
    jendoc jendoc is offline
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    Default Capital One agree to £300 refund!

    After sending 3 letters demanding the reimbursment of PPIicon premiums totaling £375, Capital Oneicon have agreed to a 'goodwill' refund of £300 though they do not admit any liability and I have to sign a letter to say this is the end of the matter!

    Can I insist that they pay me via cheque instead of having the refund 'credited' to my disputed accounticon? or is that being too cheeky:idea:

    Jendoc

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  2. 2nd February 2009 23:50 #2
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    Default Re: Capital One agree to £300 refund!

    Hi, jendoc.

    You could always give it a shot. I really don't know, with HBOSicon they gave some of my refunded charges to the DCAicon that was chasing me

    Good luck with that

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  3. 2nd February 2009 23:57 #3
    jendoc jendoc is offline
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    Default Re: Capital One agree to £300 refund!

    Thanks 'maroondevo52' I will write and give it a go!...You get nothing if you don't ask!

    jendoc

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  4. 3rd February 2009 15:44 #4
    skeptic skeptic is offline
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    Default Re: Capital One agree to £300 refund!

    Quote Originally Posted by jendoc View Post
    After sending 3 letters demanding the reimbursment of PPIicon premiums totaling £375, Capital Oneicon have agreed to a 'goodwill' refund of £300 though they do not admit any liability and I have to sign a letter to say this is the end of the matter!

    Can I insist that they pay me via cheque instead of having the refund 'credited' to my disputed accounticon? or is that being too cheeky:idea:

    Jendoc
    All you need to do is you make it clear, that payment by cheque is a pre-condition of you accepting their offer.

    You are under NO obligation to accept any offer or any conditions they are seeking to attach to it. Everything is up for negotiation.

    If you do want to accept the offer, you should do so in a "without prejudiceicon" letter that addresses no other matter, and which does not (inadvertently) acknowledge or admit the debt.

    Quote Originally Posted by jendoc View Post
    and I have to sign a letter to say this is the end of the matter!
    In Skeptical world, this sets off alarm bells.

    You need to be sure that you have calculated your potential PPI claim, correctly... because £300 is a very small amount of money in litigation terms and the experience of other caggers suggests that Capital One don't usually settle without, at least, proceedings being issued. Do you think they are settling because it is commercially sensible for them to do so or because they think they are getting a "good" deal?

    You also need to be very careful that any compromise of the PPI "claim" does not prejudice your ability to pursue/defend any other claim arising from the agreement e.g. a claim arising from unlawful data processing or a defence to a claim on the basis of an improperly executed CCA. Whilst this is unlikely to be effective... probably best to avoid open such a can of worms.

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  5. 3rd February 2009 15:46 #5
    dx100uk dx100uk is online now
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    Default Re: Capital One agree to £300 refund!

    urm thats what i was thinking...just £300 for a PPIicon
    did you add the 8% to your claim?

    dx

    GETTING THREAT_O_TEXTS OR SPOOF BAILIFF CALL FROM M T COLLECT read here
    Credit Reference Agencies:Experian Equifax CallCredit <<<<CRA FILE INFO IS HERE<<<<

    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
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    4. The CAG Interest Tutorial Read Here
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