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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      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.

      Frankly I don't think that is any accident.

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      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Successful Claims


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Hi Papadak

 

I'm new to this and am just beginning my battle with capital one. Would you be able to advise me on what to do??? I have already had all my statements sent to me from them and I am claiming about £1000 of them which they charged me when i was sick for a year and couldnt get out of the house to pay them

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  • 1 month later...
Hi Papadak

 

I'm new to this and am just beginning my battle with capital one. Would you be able to advise me on what to do??? I have already had all my statements sent to me from them and I am claiming about £1000 of them which they charged me when i was sick for a year and couldnt get out of the house to pay them

 

Hi, sorry just read your post ... what's the latest for you?

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  • 1 month later...

Any ideas how long it takes Cap 1 to pay out ? I know they tend to agree to pay once they receive court papers , but is it months or weeks for them to pay out............ Going hols in a few weeks and could do with the money !!!! :rolleyes:

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Any ideas how long it takes Cap 1 to pay out ? I know they tend to agree to pay once they receive court papers , but is it months or weeks for them to pay out............ Going hols in a few weeks and could do with the money !!!! :rolleyes:

 

Days once you stick to your time frames. I've had 2 results there. Master & Visa Card - FULL CCI

 

Good luck, don't let the bar stuards grind u down!!

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  • 8 months later...

Hi,

 

Just received letter from Crap One saying im gettin a full refund.

 

£508.43 including court costs of £50

 

Please move my thread

Prelim letter sent to Ulster Bank for £1734.00 on 18 September

Received offer of £150 - 30/09/06

LBA sent 02/10/06

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  • 4 weeks later...
  • 3 weeks later...
  • 5 months later...

Hi

How long did it take you to beat CapOne? My dispute with them only started in April this year but they are not playing ball. Have reported them to FOS...hope this was a good way to go?!? They have gone quiet since this so not sure if its a good or bad sign but am keeping fingers crossed,

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Hi

How long did it take you to beat CapOne? My dispute with them only started in April this year but they are not playing ball. Have reported them to FOS...hope this was a good way to go?!? They have gone quiet since this so not sure if its a good or bad sign but am keeping fingers crossed,

 

Sorry i missed your previous posts ... is this a cc claim & have u issued a claim online? ... I did & received a full refund.

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Sorry i missed your previous posts ... is this a cc claim & have u issued a claim online? ... I did & received a full refund.

 

Hi Papadak,

Yes it is a credit card claim and no I have not issued a claim online. I also sent Cap1 a Subject Access Request along with £10 postal order but they seem to have overlooked this.

Any suggestions as to what to do next???

Thanks very very much

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  • 1 month later...

Katedog. £1500 v Crapitol One. 0

 

Cant believe how easy it was, only sent one request whcih they said "no chance blah blah blah.

Sent it to FOS who said it could take some time then in less than a month got offer of full amount and interest.

This pays off the balance and leaves enough to pay off another card and a small donation to this site.

This was for credit card charges.

 

Thankyou CAG for your help and guidance.

 

Katedog.

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Katedog. £1500 v Crapitol One. 0

 

Cant believe how easy it was, only sent one request whcih they said "no chance blah blah blah.

Sent it to FOS who said it could take some time then in less than a month got offer of full amount and interest.

This pays off the balance and leaves enough to pay off another card and a small donation to this site.

This was for credit card charges.

 

Thankyou CAG for your help and guidance.

 

Katedog.

 

Hi, well done ... what was this refund for? ppi? ... if so is the FOS form a long drawn out process? .. I am about to do one

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Hi, well done ... what was this refund for? ppi? ... if so is the FOS form a long drawn out process? .. I am about to do one

 

 

no it was for charges.

fos form very easy to do just fill in the boxes and expalin in simple terms what your point is, ie they charged me x amount of pounds and i dont think they can justify charging x amount for doing nothing other than pressing a few keys on a PC.

 

katedog

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  • 5 months later...

Successfully sued them under DPA the other day. Special Damages and General Damages, and Judge to report them to relevant authorities. And they were oh so cocky up until the day of the hearing, for which they travelled half way across the country in the snow.:)

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  • 2 weeks later...

Hi,

 

This is my first post on this forum.

 

I am looking to sue Capital One for Fraud etc. and Harassment (it happened some years ago but now I finally have the time and motivation to sort past injustices I have suffered).

 

I am looking to take this case via Class Action, if possible (as it appears they use pretty much the same techniques against all their victims - outrageous fraudulent charges, followed by interminable harassment in pursuit of alleged debts that they know no Court would award them).

 

Can anyone tell me whether Capital One have ever been sued by a Class Action in the UK? (I know there have been cases in the US).

 

Can anyone also tell me whether there is any kind of comprehensive list of UK or US cases (individual OR Class Action) that have been successful against Capital One?

 

 

Thanks and best of luck to all

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  • 1 month later...

Provider: Capital One

Amount Reclaimed: £432.00

Amount they paid: £373.00

The story: In mid November 2009 I wrote to Capital One requesting statements. They wrote back to me saying that I had not made out the cheque (for the £10 fee) correctly so I would need to amend it and return it. I wrote out an amended cheque and returned it to them only to have them write to me again saying that I had forgotten to sign the letter that I had sent, so I signed the letter and sent it back to them again. My statements finally arrived at the beginning of January 2010 and I added up the charges and the appropriate interest and wrote to Capital One asking for a total of £432.00 to be returned to me. On the 25th of January I received a letter back from Capital One saying they have looked at my case and they made me an offer of £9.15 (which represented the difference between a £20.00 charge and what they deemed to be a "fair" £12.00 charge), they also spouted some of the OFT rulings claiming all the charges were fair etc. So I wrote back to them refusing their (ridiculous) offer, stating that I did not agree with what they were saying and that I now planned to pursue my claim via the Financial Ombudsman and/or court proceedings. They swiftly wrote back to me stating they had re-assessed my case and were now prepared to offer me £373.00, which although it was not the full amount I asked for, I accepted as I believe this was a reasonable amount.

I advise anyone pursuing a claim with Capital One to persevere and not be put off by their run around methods or paltry offers. I'm happy with the result even though it took over 4 months.

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  • 1 month later...

Hi,

 

I have recently rejected an offer of £40 which has just been increased to over £400 (they have included 8%) so its a start but am still going to press for CI, will let you know in due course

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  • 1 year later...
how did you get on with your claim dotty50

 

Hi Huggy,

 

This is one of my really old posts and in hindsight I should have only posted after being successful in the claim.

 

However to answer your question, I never actually pursued it due to calculating that they owed me much more and so I never paid anymore to them. Not concerned about CRA's and have heard nothing from them for some time!

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