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willowthewysp

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  1. Well, I THINK i have got a result! Allthough i received a letter from the court stating that cap one were defending, i have now had a letter from cap one stating 'that as a gesture of goodwill' and 'to resolve the matter without the need for a court hearing' they will pay my full claim of £1101.66.....however, even though i stated i would only accept a cheque for the full amount, they have credited my account, which leaves me £317.33 in credit(I was fairly over my limit due soley to charges). They are sending me a cheque within 14 days for £317.33..... This isn't QUITE what i wanted, BUT i thought they would automatically close my account, as it happens they have made no mention of closing my account, and have advised me that if i use my account again i should keep within my limit and not pay late....blah blah.... They havn't given me any option not to accept, but im wondering why they have ignored the fact that i wanted a cheque for the full amount..... However, if my account is too stay open, then i am happy with the outcome. .....Could they suddenly close my account after i have confirmed settlement with the court?
  2. ....I know...i keep telling myself that!...cant help but worry tho...maybe i'll be the one who loses out! ...will take it all the way tho, if i have to!
  3. Court claim sent yesterday...but i received a letter from cap one regarding my last letter to them rejecting their offer of £180. They are confirming they will NOT be refunding my full amount asked and are happy for me to take more action if i feel i need to.......:o but £180 is their final offer..... Im just getting a wee bit worried now!
  4. Sending off court claim today .......!
  5. Have sent capital one a letter, declining their offer of £180(!) They now have 10 days to respond,inc 2 days for posting...14 march, then!
  6. Oh! I see! ...looking in the corner of my screen, i see i have the 'done'and ! sign too!
  7. Chezt...I was using the N! route anyway, i used it last time and am familiar with it! x
  8. Yep...that helps..I will leave off the 8% then:) Many thanks
  9. I am just about to start a court claim against my credit card.....I have added contractual interest throughout the claim. My question is....as i am now starting the court claim(just about to fill out the forms), do i also add 8% interest, or do i leave that out as i have already added contractual? xx
  10. I seem to have lost the link that allows me to update my signature....does anyone know why this may be? Thankyou! x
  11. Received a 'goodwill' gesture from cap one of £180.....! ...Having looked at the FAQ...it has copies of letters that should be sent if you receive an offer of settlement...does a goodwill gesture stand as a settlement offer? Or can i go ahead and continue with my claim?
  12. Thankyou, I thought that to be the case!
  13. Thanks for setting my mind at ease!..It did get me worrying that i would end up with a huge bloke at the doorstep demanding money! But yes, my account is in dispute and am awaiting a reply to my LBA... x
  14. Appologies if this has been mentioned before, but has anyone else heard about Capital One 'selling' your debts to a dodgy 'debt collector', who will then procede to pay you a visit and DEMAND payment...(the debt has nothing to do with cap one then...!) Not sure how true this is, but i heard this via my husband who heard it from the radio(bbc4) Anyone know what im talking about? ....Its got me MEGA worried!:o
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