Hi, Shaokahn, I had an account with Capital One which defaulted about four years ago, I was due them £1,400.00. I did'nt have the money to pay it back. My account was sold to a debt recovery company who chased me for the money. A couple of months ago I started the process of getting my charges back from the same account and a couple of weeks ago was paid £1,111.94. The debt recovery company are getting the £1,111.94 from Capital One and I have arranged to pay the remainder.It's up to you how you proceed,but if the default has already been issued I don't think it will make any difference if you hold on to your cash and start the process of getting your charges back, and pay them with that. Regards. Scott.

Hello and welcome, Read as much information related to your claim as possible, read all the F.A.Q.s and Step-By-Step Guides. Have a look in your banks forum, read a few threads then start one yourself. There are plenty of people in the same boat as you willing to help you out. Best wishes with your claim. Regards. Scott.

Your partner is well within their rights to leave work early to go to the Doctors, Hospital or even School. The employer has broken the law by even asking the person to work through lunch or even stay late. Any Doctor, Hospital or other related appointement must be honoured by the employer without penalty to the employee, no matter how many hours they work per day. Part time workers are entitled to exactly the same as a full time employee and any appointment does not need to be made after their shift. Please see the ACAS website if you are in doubt and they also have an number you can call without leaving names, companys etc. It is a confidential line. Regards Scott

Hi Stepper, Follow all the step-by-step guides and you will get all your cash back. Start a thread in your banks forum, plenty people will help you out. Have a look at Scottish Procedure. You'll find all the info about forms ect. It will cost you £39 for Small Claims also £39 for Summary Cause, with summary cause the court will send your papers back to you and you will have to pay a sheriff's officer to serve the claim for you, this cost me £15.97. The court will send you a list of local sheriff officers. Best wishes with your claim. Regards. Scott.

Also took me three months, with a lot of help from this site. I can honestly say I would never even tried to get my cash back without the help from people on this site. Its a SELF help site which means yes, you have to do most of the work yourself !!! Javord if you are so unimpressed by the people on this site why are you still on it ? The recent posts by yourself are all negative. Oh and did you make a donation. There are thousands of people out there to whom this site is a godsend. Regards. Scott.

Hi Raymo, Just carry on, if you've sent the first two letters you can now procede to court. Regards. Scott.

Hi, Start a thread in the HSBC Forum, let's everyone know how you'r getting on. Best wishes with your claim. Regards. Scott.

Javorb, After my first claim BOS waited about a month before closing my account and telling me to cut up my Visa Card. Hope you don't suffer the same fate. Regards. Scott.

Hi, You should leave the money in the account and send them a rejection of offer letter, which can be found in the Bank Templates Library. This states you will accept their part payment, but will also persue them for the ramainder through the courts. Best wishes with your claim. Regards. Scott.

Hello and welcome, Diablo. Take some time reading as much information on this site as possible, this will save you a lot of problems later. Have a look in your banks forum, read a few threads then start one yourself. There's always someone willing to help. Best wishes with your claim. Regards. Scott.

Hi, Capital One Bank just settled with me in full £1,111.94. I served a Summary Cause on them three weeks ago. With Summary Cause the court will send you your papers back and you have to get a Sheriff's Officer to serve them on the defender. This cost me £15.97. The court send you a list of local Sheriff's Officers you can use. Best wishes with your claim. Regards. Scott.

Luck, you won't need any. It's your money, you will get it back. Best wishes with your claim. Regards. Scott.

Hello and welcome, You should take them all the road, you will get the lot. You could also do it yourself without the need to pay a solicitor. When I started my first claim my solicitor did'nt have a scooby what I was talking about, in the end he said 'There's no way you could take your Bank to court' no, well I already have, 2 Banks and won both times. But in the end it's up to you, £5,500 is a lot of money. Best wishes, whatever you choose to do. Regards. Scott.

All the best with your claim Eggie, Cap 1. settled with me on 07/02/07. three weeks after I served a Summary Cause Summons on them. Regards. Scott.

Hello and welcome Mrs.White, You can claim back as much as they have charged you. Have a look in the Abbey Forum, read a few threads then start one yourself. Also have a look in the Abbey Successes. That will give you some idea of the amounts people have claimed back. Best wishes with your claim. Regards. Scott.

Hi, Gary. Go into the CAG Chatroom, someone in there should be able to tell you. Regards. Scott.

Hello, The Banks will do all they can to delay your claim. Start a thread in the Lloyds tsb Forum, your sure to get a lot of help in there. Regards. Scott.

Hello and welcome, Fifi p. The letter you are looking for is in the Bank Templates Library. Titled Rejection Letters. Best wishes with your claim. Regards. Scott.

Hello and welcome, I was going to say good luck, but you won't need it. It's not about luck, it's about getting back what's yours. Have a look in your banks forum, read a few threads then start one yourself. The only bad thing when the banks pay you back is that they never say ' sorry for the years of hell you've just been through'. So best wishes with your claim.Remember to read all the F.A.Q.s and Step-By-Step Guides. Regards. Scott.

Hello and welcome Revels, Good to hear you'r going to get your money back. Once you get into the swing of things it's not nearly as daunting as you first think. Have a look in your banks forum, read a few threads then start one yourself. There is plenty of help around this site. Best wishes with your claim. Regards. Scott.

Hi, Jenny. Cap 1. settled with me on Friday. The address you have used is the same as mine. I'm not sure about the interest, I got 8%. £240.94 on a claim of £832.00.and also my court costs. They paid out three weeks after I served my Summary Cause Summons. Best wishes with your claim. Regards. Scott.

Hello and welcome, IR2365. Take some time to read all the F.A.Q.s. and Step-By-Step Guides, Have a look in your Banks Forum, read a few threads then start one yourself, there's always someone in the same boat as you willing to help you out. Take in as much information as you can before starting your claim, saves a lot of time later on. Don't be afraid to ask some question's.There are a lot of helpful people on this site. Best wishes with your claim. Regards. Scott.

Cheers Phonesurgeon, Best wishes with your claim. Regards. Scott.

Hi and welcome Raindrops, Scared !! What off, the Big Bad Bank ? Sorry only joking. I was shi.... shi.....shi...... Scared too. But once you screw the nut, read all the F.A.Q.s and Step-By-Step Guides its baby stuff! Take in as much information as possible, saves you a lot of work later on. Have a look in your banks forum, read a few threads then start one yourself. There are plenty of people on this site willing to help you out. I like others thought there was no way I could take my Bank to court, but I have and won!! Two different Banks at that. If I can do it, anyone can, I'm not the sharpest tool in the box, but if you take your time and follow all the instructions you will get your friends cash. Start a thread in your friends Bank's forum and keep us posted. Best wishes with your claim. Regards. Scott.

Bin it, it's a coco!!!