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    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
    • In anticipation of lodging my court claim next Weds 1 May (14 days after advising P2G that was my deadline for them to settle my claim) I have completed my first draft POC as below: Claim Claim number: xxxxx Reference: P2G MAY 2024   Claimant xxxxx   Defendant Parcel2Go 1A Parklands Lostock Bolton BL6 4SD  Particulars of Claim The defendant has failed to arrange for the safe delivery of the claimant's parcel containing a 8 secondhand golf clubs (valued at £265) that was sent to a UK address using their delivery service (P2G Reference xxxxx). The defendant contracted Evri to deliver the parcel (Evri Reference xxxxx) and refuses to reimburse the claimant on the grounds that the claimant did not purchase their secondary insurance contract. The defendant seeks to exclude their liability in breach of section 57 Consumer Rights Act. The secondary insurance contract is in breach of section 72. The claimant seeks reimbursement of £265, plus P2G fees of £9.10, plus postage costs for two first class letters to P2G of £2.70, plus court fees, plus interest. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from xxxxx to xxxxxx on £276.80 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £xxxx   Details of claim Amount claimed £276.80 I look forward to your thoughts and comments guys! As ever, many thanks - G59    
    • Hmm, that's strange how they got my email then.  I assume the below is ok to send to DCBL, Nicky?  Hello, I am writing regarding our ongoing dispute and the upcoming court claim reference xxxxxxxx. To ensure fairness and transparency in our communications leading up to the court hearing, I request that you use postal mail exclusively for all further correspondence related to this claim. Please refrain from sending any communication or documents via email. Thank you for your understanding and cooperation. If you have any questions or need clarification, please feel free to contact me via postal mail at the address provided above. Yours sincerely, xxxx
    • In the SAR, I received the original application, lots of computer print outs, yearly statements from 2013 and the new emails regarding my complaint. They sent me a £50 cheque after I chased them for the SAR after the 30 days. They said they was waiting for me to respond to an email (which I never received) before sending the SAR
    • classic P2G. I'm sure dianne and Lesley will pop an email to you at some point.
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    • 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.

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

      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.
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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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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.

 

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  • 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

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  • 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

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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

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  • 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.

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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.

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  • 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.

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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

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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!

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  • 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.

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  • 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.

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  • 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

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  • 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

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