Another day, another thread.

Today is the start of a new challenge. Have 2 Cap 1 cars for last 5 years. Sloppy paying led to loads of charges - sending SAR tomorrow to find out just how many and starting my challenge...

Will keep you all updated.

Great Bigad123.

You will have to file with the court before they pay out in full. You will get the standard letter offering you the difference between the £25 they charged you all those years ago, and the £12 they charge now.

Stick to your guns, will keep a look out for you.

Afternoon all,

Behind my own deadline already - only by a day and did have a good excuse honesy..

Anyway am just about to type up my S.A.R & can only find the one in templates that refer to the bank charges, with this being for a credit card.

Is there a specific credit card one or can i just hack the words in the template to make it appropriate ??

Sorry for the stupid question, just really wanna make sure I get this correct as it will amount to a lot of money..

Thanks in advance

Just hack the words as appropriate

Just thought I would keep my thread updated, I have been gaining help through the RBS threads..

Anyhow 2 cards totalling charges and interest of £1500, sent prelim letter and have 1 week till deadline..

Here's hoping..

You will have to file with the court to get your money back, they will soon fold as the claim notice hits the desk..

Hi all,

Letter received this morning offering me the expected difference between the £20's and the £12.

Now I have received a response I am presuming I am ok to head straight into the LBA, wait the time and then file with the court..

Grateful for any advice - this is my first time, although am claiming back from RBS too.

After I nail this will be going after Halifax, Sainsbury and my main accounts with Lloyds, including 3 PPI loans. Just getting my knowledge and experience with these first.

If there is no additional advice or words of warning I will be sending my LBA today, declining there paltry offer.

Here goes...

Couple of days beind schedule as the birth of our little one on Wednesday.

However I have three cards that are past the LBA stage now and will be submitting to court tomorrow (2 Cap Ones and 1 RBS)

Not too sure on the process so may need some support tomorrow but will read up on process first..

Hopefully can resolve this quickly and efficiently now !!

Hi all,

Been getting some great advice from the peeps in the RBS threads. Submitting my claim to court first thing tomorrow morning.

Worked hard to ensure cheque and court correct, 2 sets of schedules (1 for court and 1 for defendant) & all of my paperwork and letters that have been sent.

This is now unchartered waters and I am hoping I can close this one down and then buoyed on by my success (?) attack the others with vigour..

Will keep you updated - hopefully some good news ???

Couple of days beind schedule as the birth of our little one on Wednesday.

Congratulations, on the wee one Hope all's well, you'll have plenty time to sort out your claims now well you will be up all night

Regards.

Scott.

Thanks Scott - spot on about the sleep !!!

I have received all of the court paperwork through now with lots of detail and deadlines..

Hoping to hear something soon !!

Thanks so much for being part of this journey.

Grateful for all of your help and received a letter yesterday stating I was to refunded in full.

Although all goodwill they were a bit sneaky and paid most of the monies to my card to clear balance whilst I am awaiting a cheque for the remainder. They have asked me to let the court now however will not be doing anything until I see my balance clear and a cheque in hand.

As soon as banked will be gratefully making my donation reflecting my gratitude.

Now i have two more court claims to file as awaiting the completion of this process first, combined with big PPI Lloyds claims and Lloyds Credit card & some HBOS credit cards.

Thanks again !

CONGRATULATIONS Bigas

Now you can buy more nappies

Regards.

Scott.

Congratulations Bigad

Congrats!

Bigas, what interest did you claim?, I have an N1 to file and am dithering over claiming compound interest or the 8%, just don't want mess it up!

Well done on the success with your claim.

Morning..

I claimed 8% as that was how I started the initial letters after some advice here.

Although they have sent me the letter I am yet to receive the refund. Called them today and after the usual light entertainment dealing with their call centres they told me although they had agreed and updated the system accordingly they had not actioned the request yet.

The chap on the phone said dont give him a hard time as was not his fault.

Not really sure what to do now as the court date deadline is Wednesday and although they have admitted responsibility I am not going to do anything with the court paperwork until payment received.

Guessing this will all happen on Wednesday..

Good luck with your claims

Hows it gone Bigad? any news?

Hadituptohere

Got back from a week away and finally my card has been cleared and a cheque sent for the balance..

Just filed my other capital one claim at the court - should hopefully be straight forward and only a small limit so cash back to boot.

Will donate when cheque clears now !!

Thanks for all of your help and support

Great Well done...