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About Bigad123

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  1. 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
  2. Just when I think I am getting better at all this.. I can find every form apart from the CCA request. Would someone be so kind to point me in the direction ?? Cheers
  3. Spot on - think I just put unfair charges. Court asked no questions at all and I got a confirmation and summary within a few days
  4. I included as below which I pretty much copied from some helpful chap's link from this website. I also had to attach a front sheet (maybe N1??) which I now cannot locate but was pretty much summary of below. Cap 1 seem to always fold at this stage.. All the best 1.The Claimant entered into an agreement (“The Agreement”) with the Defendant on or around 1/9/2003 whereby the Defendant was to advance credit facilities to the Claimant under a running credit account, Account no 1234 1234 1234 1234(“The Account”). 2. “The Agreement” essentially consisted of the Defendant providing the
  5. Thanks BosBoy. Pretty sure I have already paid back 3 times more than I borrowed so still on the side of morality..
  6. Pretty sure it does not matter as they received your late payments and overlimit feesbut don't take this as definative.
  7. Hi all, Could not find a Sainsbury page so have included as HBOS seem to be managing the financial side of it. Fresh from my Capital One victories (awaiting payment but they have agreed to pay) and my expected RBOS victory I am now aiming at Sainsbury's. Given that I was pretty well behaved on this account and did not get charged I am going to CCA request them and see if I have any joy there - I still have a big balance. Anyone got any ideas about where to send the CCA request to ?? And any good CCA news as it seems a bit harder to find many successes on the forums ??
  8. Spot on advice.. Just ensure you search through the website for your local county court to send to. They are actually very efficient
  9. Any updates here ?? I am following with interest as not far away from being in a similar position.. Good luck
  10. Hi Kibby, I was in the same boat as you with Cap one - my thread can be found easily (BigAs Vs Cap 1) I got some great advice on here and after submitting the court forms you are only about 4 weeks away from getting your money. Be aware they will minus from your balance and send you a cheque for any over your current balance. You have to file at your local court and there are so many helpful links and sub-folders to get this done. They send you a letter saying no liability, only a goodwill payment etc. etc. You get all the additional costs back (so claim for court co
  11. 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
  12. 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 pr
  13. Hi, So presuming that is 1 thinking it is ok to do this is.. If I am in the wrong fine, will pay, although 80% of the policy does seem steep.. Any more views ??
  14. 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 !!
  15. Morning, Two months ago I bought a van and used a global price comparison site which led me to Budget Insurance. After paying 2 months in advance and the price changing considerably as I had slightly different no claims I decided to sell the van. I imformed them I would be cancelling the direct debit as I would be selling - they did have the 2 months payment already. They have written to me today and said I owe a £270 cancellation fee - the years insurance was only £360. I did not sign any credit agreement or cancellation terms (I think !!) Any advice will be grat
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