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    • Paragraph 18 – you are still talking about Boston stolen items. About time this was fixed??? Paragraph 19  In any event, the claimant's PS5 gaming device was correctly declared and correctly valued. The defendant accepted it for carriage and was even prepared to earn extra money by selling sell insurance in case of its loss or damage. New paragraph 20 – this the defendant routinely sells insurance in respect of "no compensation" items (a secondary contract contrary to section 72 CRA 2015) new paragraph above paragraph 20 – the defendant purports to limit its liability in respect of lost or damaged items. This is contrary to section 57 of the consumer rights act 2015. The defendant offers to extend their liability if their customer purchases an insurance cover for an extra sum of money. This insurance is a secondary contract calculated to exclude or limit their liability for the defendants contractual breaches and is contrary to section 72 of the consumer rights act 2015. New paragraph below paragraph 42 – the defendant merely relies on "standard industry practice" You haven't pointed to the place in your bundle of the Telegraph newspaper extract. You have to jiggle the paragraphs around. Even though I have suggested new paragraph numbers, the order I have suggested is on your existing version 5. You will have to work it out for your next version. Good luck!   Let's see version 6 Separately, would you be kind enough to send me an unredacted to me at our admin email address.
    • i think theres been MORE than amble evidence of that and am astonished that criminal proceedings haven't begun.
    • Yep, those 'requirements' not met to shareholders satisfaction seem to me to be: 1. Not being allowed to increase customer bills by 40% (of which well over 50% of the new total would NOT be investment) 2. 1 plus regulators not agreeing to letting them do 'things in their own time (ie carry on regardless)
    • As already mentioned freely available "credit scores" are fairly useless. All lenders have their own "credit scoring" system, that for obvious reasons they don't divulge. And they're "scored" differently to the freely available ones. As soon as they could, we've always encouraged our two children to use credit cards responsibly... Pay off in full, etc, to generate good history. It's paid off. At quite young ages, they have both obtained loans for cars, mortgage and their credit card limits are through the roof. Personally, I have shifted debt around a lot on credit cards (even financed a house purchase once at 0% 😉) and I've only ever been refused a credit card once, sorry twice by the same company, over many years. They must have something very different in their lending criteria. You're a tight one, Mr Branson.
    • Hi DX - quick question, what is the bank likely to do when they get my letter of change of address ? also what is the worst they can do? thanks J1L
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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.

 

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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.

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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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