lmao Brad. I was hoping to come back to info from the court for my Cap 1 giving me timescales etc but havent had a sausage....may have to phone them! Instead I came back to info from court for my halifax cc saying I had to put my title on the N1 and so they have returned it all to me...what a bummer....thats a setback of over a week for that! Moral of the story....stick your title in the claimants details box as well as your full name!

Hi Sonic, I claimed on N1 as I am going for contractual interest and there is more room on POCs. Hta80 - Cap One have never paid anyone the full amount prior to issuing court claim. Dont worry about it, they will pay up. You will probably get notification that they wish to defend the claim but this is the norm and they will pay up after that!

Soz, been away for a few days. If you decided to claim contractual, you cant add 8% to the total

Hey folks, soz, have been away down the coast for a couple of days. My opinion is, its up to you if you accept it as partial payment, I have however, refused all partial payments as this is where you could end up going to court for just contractual interest. If you decide to refuse it, send them the rejection letter and LBA all in one go and tell them that "you have not accepted their offer and you request they reverse the credit on your account" This must be a change in tactic from Cap 1 as they never credited my account even though the offered difference between £20 & £12. The next letter you will get Brad is "sod off, we aint giving you no more back"

Good Luck Paintball. Is the 30% what they are charging you?

Great news, thanks for letting me know. It always helps when you know they have paid out CCI.

done

awww thanks

Yep write for it as soon as you can. They have to supply it within 12 days by law. If you want to PM me your email addy, I can send you the template if you like. It wasnt straight forward to find in the library so someone else emailed it to me.

Excellent! Well done matey! Good luck with it all and keep us posted

Really??? I think some more complaints is definitely required! I have a prob with Morgan Stanley, I opened the acc to take advantage of the fixed 4.9% for the WHOLE of the balance transfer. When I had a late payment charge they cancelled the promotional rate. I queried it a few wks back and the guy told me that if I had phoned up the following month it would have been reinstated. How the hell am I to know that? I have requested a opy of my CCA with them and today they sent me their terms and conditions leaflet from March 2007!!!! They really do take the Pi$$ these companies.... Im certainly gonna try and claim back the higher interest they have charged me for the last 2 years...probably dont stand a chance but I will try!

yep Deller beat me to it. You might just need to change the odd phrase so it is in credit card terms rather than bank terms i.e overdrawn etc to overlimit.

lol Brad, that was exactly my thought...but.....there are a lot of threads on CCAs at the mo and it appears a lot of the credit card companies aren't providing the proper signed agreement. The idea (i believe) is to request the CCA and hope that they cant provide it so then it will be more of a deterrent for them to not procede into the court room so as to not risk any more bollockings from the court. This is my belief on it but if ive got the wrong end of the stick, I'd be happy for someone else to post their views. It is just another aspect to get your head round though....and im not quite there yet....am waiting to see what they provide! Thanks Tanz.....i'll be glad when the pressue is off me too to be honest as it will mean the 1st "official" court claim is out of the way and hopefully the rest will be a little easier for me to do as I will know what im doing.....there's always hope lol

yes you can if you wish, although it wont stop it happening but at least you have given them 1 warning.

Hi Sergeant, Thanks for your most. My posts may be misinterpreted. I already know about contractual and i have read that lovely thread before but what I was asking was "Had anyone been paid contractual from A&L"

Hey doo, have you seen the threads on CCAs? Jeez....just something else to get our heads round lol. When did you send your requests?

ooops forgot to update this thread. Story so far....prelim sent 29th Jan, response 16th feb, saying will refund all £20 & £25 charges. Rejection sent 26th feb. Will file for court on 15th March if refund not made.

CCA request being sent tomorrow iro this account. Am also compiling letter to them about missing statements. Will update this thread with the details soon

Hi young, I only just noticed your reply on here so apologies for not replying. Yes Im going to try for CCI, I have been claiming it back on all my credit cards and 2 have already paid up. I was just wondering how A&L do with contractual.

ok, N1 being posted tomorrow. Am also posting letter requesting CCA from Halifax.

Update - I posted the N1 as promised, so just waiting to hear now. Also sending CCA request off to Cap 1 tomorrow...recorded delivery.

Hi Eve, You can claim contractual interest from the outset. You will need to understand how this works though Good luck whatever you decide

Hi, You can send the bank one but just amend the banking history to transaction history etc Good Luck, you will probably get missing statements from GE Money as they usually do this!

Fab news Kings, well done! Go and spend it all at once!

Lisa, Im looking at CCA threads myself. If you search on CCA there will be quite a few threads, they are quite long winded but you may get a better response to your question in these other threads.