Jump to content


  • Tweets

  • Posts

    • let the ombudsman do their job. you'll win handsdown you dont obv owe OVO p'haps anything at all.  dont worry about Past Due credit or any other DCA ( THEY ARE NOT BAILIFFS!) as for you being added to the debt, thats quite OK, you were a resident adult and equally liable under law. once you start getting things moving via the  ombudsman dont forget to get your credit files cleansed of any negative data & seek compensation for distress etc, again the  ombudsman should sort both out for you. as you are now NOT a customer of OVO, there is very very little they can do to you now.  
    • A question - did you use the supermarket or the restaurant? I see the restrictions are different. Sign.pdf
    • DN is ok DCA NOA is ok, though not one from Newday saying they've sold it. agreement states esigned on a sunday at 11am?? really??  but no typed names or tick box nor any IP address used. if the date is correct then poss ok, it that your correct address for that time of take out? but if not, then that could simply be a copy of someone elses they've used with you details copy'n'pasted over theirs. the agreement details separate T&C's in at least 8.4. a full set of T&C containing your correct address for the time MUST be included. failure renders the agreement unenforceable... have you the T&C's too? dx
    • Npower and Scottish Power and others have always had regulations that require them to treat customers fairly - the threads here and my experiences demonstrate that those regs are little more than useless.   Even Octopus recently spent month after month saying they needed to increase my monthly payments despite my credit balance slowly going up TWICE I had to reset it online back to prior payment as they unilaterally increased it unilaterally. Raised formal complaint and they than said i was paying too much and reduced the payment, again without my agreement, although that time at least they told me they were doing it.   .. and Octopus has been one of the better ones.    
    • Thank you. You left all your personal details showing on the invoice, but I've removed them. From Googling it seems the free parking is limited to one hour.  You stayed two.  There is no point appealing, you did overstay.  That's apart from the fact the private parking companies are just interested in £££££ and never accept appeals. We have other Iceland cases, Iceland as a company refuse to have these invoices cancelled. So it's up to you. Pay £51 and the matter goes away. Or refuse to pay.  Horizon very rarely do court.  We would support you all the way. 
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 161 replies
    • 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.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      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.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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
        • Like
  • Recommended Topics

Successful Claims


blueskies
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4595 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

If you have been successful in your claim with Capital One but the thread title doesn't show **WON** or **SETTLED** can you please send a private message to one of the mods to change the title and put it in the successes sub-forum.

 

This will give other users an at-a-glance guide to other cases that have been won and may just give them that extra little bit of confidence needed to pursue Capital One themselves.

 

If you can't PM a mod for whatever reason then just reply to this thread.

BEFORE starting your claim read through the FAQ's and if there's something you aren't sure of then ask.

If you win, donate to this site

Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.

 

Link to post
Share on other sites

  • 2 months later...
  • 3 weeks later...
Guest Ruthie P

I got a lovely letter of victory today from Capital One....

 

Claim number 6QZ89939

 

Total refunded £662.82!

 

whoohoo!

 

THANKS CAG!

 

X

Link to post
Share on other sites

  • 1 month later...
  • 2 weeks later...

well done everyone!:D

HALIFAX: PRE 6 year claim 1991-2006 WON 21/3/07 £2616

CAPITAL 1 - WON 19/3/07 £800.22

CAPITAL 1 - WON 19/3/07 £325.75

AQUA - MCOL 2/3/07 £172.79

ABBEY - MCOL 2/3/07 £261.37

HALIFAX VISA - WON default removal 19/3/07

PARAGON - LBA 11/3/07

CABOT -SAR 26/2/07

ROCKWELL -OFFER 20/2/07

GMAC -MCOL 7/2/07 £189.85

WESTCOT - SAR 25/2/07

Link to post
Share on other sites

Steve v Capital One Credit Card

 

WON in full with contractual interest

Lloyds

19-10-06- S.A.R Letter

Prelim 20-11-06 £10,492

LBA - 2/12/06

Cap 1

19-10-06 - S.A.R Letter

Prelim 20-11-06 £1,467

LBA 2/12/06

WON-Settled in Full

AMEX

19-10-06 -S.A.R Letter.

Prelim - 20-11-06 £697

LBA - 2/12/06

Morgan Stanley

19-10-06 - S.A.R Letter

Prelm 20-11-06 £1580

23-11-06. £1076 offered.

4-12-06 - LBA

Won-£1580 14-12-06

MBNA

19-10-06 - S.A.R Letter

20-11-06 Prelim

WON-£4010

Link to post
Share on other sites

  • 1 month later...
  • 4 weeks later...

Capital one buckled at the last fence.

 

They were quick and relatively easy, though every step of the way they tried to fob me off with about 80p rather than the £250+

 

Today they agreed to settle for the full amount of £309.85 which included interest and court costs. YES. without admission of liabilty etc etc yada yada yada.

 

Check my sig for dates etc.

Many thanks to martin and all the mods and everyone who's worked so hard at their own claims and documented it here (it's a great help).

Successfully reclaimed £13k in 2007. A bit exhausted now. Still have Post Fear but don't hide from the postman any more.

Link to post
Share on other sites

Guest wegaevca

I had the same letter where Capone was not accepting liabilty but I received a cheque on Thursday for the full amount, including court fees of £831.75.

Link to post
Share on other sites

  • 2 weeks later...

Hi fellow CAG members

I wrote to Cap One to say I wanted a refund of £120.00 in total for late payments, they credited my account with the difference between charging me £20 and £12. Although its not a full refund I'm happy with this as I admit to the late payments being my fault and have bigger fish to fry with the banking institues, but at least they didnt just send off a 'No' letter.

 

So keep on at them.

Link to post
Share on other sites

Hello everyone I'm new to all this so could someone please help me to understand where I begin with Capital One Account. I wasnt well last year and suffered bad panic attacks and couldnt leave the house to pay any of my bills therefore they charged me late payments and overlimit amounts numerous times. Thanks

  • Like 1
Link to post
Share on other sites

Hello everyone I'm new to all this so could someone please help me to understand where I begin with Capital One Account. I wasnt well last year and suffered bad panic attacks and couldnt leave the house to pay any of my bills therefore they charged me late payments and overlimit amounts numerous times. Thanks

 

your posting in the wrong place m8 this is for if youve won you wont get help in here post in the main cap 1 forum!

Link to post
Share on other sites

  • 2 weeks later...

I received a letter today saying they will refund the whole amount of charges, court costs and 8% interest not the 34.9% interest which I asked for. I am happy with this so I am prepared to leave it at that, and shall be donating using my credit card ;)

Thank all you guys who have helped me through this. I really appreciate you lot XXX

 

 

Total Claimed £1523.37

Total received £1162.95

:DABBEY-WON! £1,359.34

:confused:CAPITAL ONE WON £1,523.27+£39court fees.

Link to post
Share on other sites

  • 2 weeks later...
  • 4 weeks later...
Guest Botsy

Botsy v Capital One change to ***WON*** please.

Settled two weeks before prelim hearing in Cardiff.

Plus removal of default.

Link to post
Share on other sites

  • 2 weeks later...

Clubber V Capital One

 

N1 issued 6th August

Deemed served 8th August

Cap One full & final settlement 13th August (not bad timing I'll give'em that, just after my bank one letting me down)

£1310 inc interest @ 8% and court costs.

 

Result!! Thanks to this site. I have not been posting on Cap One site but am doing on Barclays threads. Many thanks for the advice on here though.

 

Clubber

Link to post
Share on other sites

  • 3 weeks later...

Hi was going to start Crap one thread but now no need to :D

 

Claim filed 17th August 2007

Crap One filed Acknowledgement of Service with intention to defend all of the claim on 28th August 2007.

 

Received letter from Crap One today!

Full & final settlement on a no admission of liability basis and purely as a matter of goodwill! Hooofookinraaaaaaaaaa :D

£280 + interest @ 8% + court costs

 

Cheque in post and will not discontinue claim in court till it is in the bank and cleared!!! ;)

 

Donation on way. Many thanks for a great site CAG and for all the help and advice.

 

Sam

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...