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albbyswife

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Posts posted by albbyswife

  1. hi

     

    I cca the both of them moorcroft was mithering for money so i wrote back to them and said i would not pay them any money and that i would pay Argos direct!!

     

    I recieved my statements from argos and then claimed back my charges, Took them to court and they paid up easily enough and they payed me by a cheque which was a surprise!!! As i owed them money!!!! I now just pay them £5 a month (straight to Argos) and have had no threatening letter since (touch wood!!)

     

    I owed them about £300 pounds and my charges where only about £150

  2. hello

     

    Well , I have WON!!!!! I recieved my letter from them on tuesday 19 june saying they have credited my card and will send remainder in a cheque within 14 days!!!

     

    My question is how long does it actually take for them to send the cheque??? Are they good with sending them out or will it be a case of chasing them up?? I have not cancelled my court claim yet as I will do that as soon as cheques comes (if it comes!!)

  3. hi everyone

     

    Well there was a delay in sending in my n1 form to the courts as it got returned!!! Forgot to check that i had put my full name in also had to do a remission form (i think that was called) to reduced the ammount the i had to pay to the courts

     

    So now a little later than planned, it is now underway !!!!!!

     

    It was deemed served on the 1st june 07, and the defendant has to reply by the 15th of june.

     

    Today i recieved a court letter to say that Capital One has filed an Acknowledgement of service and that they intend to defend all of my claim, My questions is now,

     

    What will happen next ??

    What should i be doing now??

     

    any help apprecieated!!!!

    • Haha 1
  4. hi doo

     

    I have already told cap one about CI in my prelim and my Lba, and just got to file in court (which i will do today after work!) i just wanted to make sure about adding the SAR and the cost of six letters i have sent to them already and was wondering if i could claim this back?? I was thinking of adding the costs as follows :

     

    6 d) Additional Cost:- SAR payment £10.00, 6 Letters (1st class recorded@£1.50 £9.00, Total £19.00.

  5. I think if im not mistaken you have to resend your lba letter to state that you would like CCI i dont think you can just apply it to your N1 court claim!!

     

    I stated that CCI is what i intend to claim right from the beginning with my Prelim letter and then again with my LBA letter!!

     

    Maybe a mod could just clarify this???

  6. thank you doo for your help!!!!:p

    How do i Show my part refund?? or do i not put that in my POC???

     

    Can I claim for costs of postage, paper, ink, etc plus can i claim back my S.A.R - (Subject Access Request) fee that i paid for my statements???? If so Do i just put 6 d) Additional costs

    SAR Payment £10.00

    Postage £0.00

    Ink £0.00

    Paper £0.00

     

    Total amount £0.00

     

    :???: :???: :???:

  7. hello

     

    can anybody help me with my N1 court form please

     

    not sure on what to put down on the form or if anybody else has claimed against cap one with CI would it be possible to see what they have put down in their form or any advice on how to word my P O C ,please????

     

    Also how i recieved a part payment of a third of the charges and dont know how to enter this on my form!!!!:???:

     

    One more question, can i claim back my SAR payment, and postage costs ink and paper costs??????:???:

     

    Sorry for all the question and to sound dumb but my head isnt working very well today!!!!!!!!:???:

  8. hello doo

     

    sorry for jumping in your thread, but like you am claiming against cap one!!well just about to do N1 forms and was wondering if you could help me with this as i am too claiming CI and not sure on how to word the N1 form also i have had a part refund put into my account and also dont know how to put this in my claim form

     

    I know its cheeky but is there any way i could have a look as to what you put down in your claim please!!!:confused:

     

    thanks

    albbyswife

  9. hello

     

    i have used vamps spreadsheet number 13 and claiming cci at the rate of 34.9% as stated on their website. you need to state that you are claiming this from the word go, so yes from the prelim letter

     

    hope this helps

  10. Update:

     

    Sent lba letter minus part refund on 16th April!!

     

    Recieved another letter today saying basically that the part refund is their final response and that they are not going to refund total ammount!!:mad:

     

    So my next question is do i wait for the lba 14 days (which is on the 30th April) to be up or should i start my claim in court???

     

    Any help greatful!!!

  11. hello

     

    If the 14 days are up on the prelim letter then it is time to send off your letter before action which then gives them another 14 days to reply and sort out and pay you back your charges. If you still havent heard anything by the time the 14 days are up on the 15th day file at court.

     

    If you recieve a letter with a settlement figure, after you have already sent your LBA letter,if your not happy with the ammount just send a letter back saying you will only accept this ammount as 'part payment' of ammount owed!!!! and that you will carry on to recover full ammount.

     

    the address I used was:-

     

    Legal Compliance Specialist

    Capital One Bank (Europe) Plc

    Trent House

    Station Street

    Nottingham

    NG2 3HX

     

    but i have read that other people have used a london address (I think)

     

    Hope this helps

  12. Update:-

     

    recieved a goodwill offer from capital one of £72 to be paid into account, i sent back letter to say i will accept offer only as part payment and i gave them 7 extra days.

     

    Now it is time for my lba letter and not sure what to do about how to word the part about my charges plus ci as they have refunded the £72 on my account. Would this be o.k??

     

    I calculate that you have taken £276.00 in unlawful charges from my account. In addition to this, I also request that you refund me £120.68 in compounded contractual interest, which I have calculated at 34.9%,

    (34.9% being equivalent to your current APR rate for classic card holders) as set out in the attached schedule of charges. I believe this rate to be justified under the principle of mutuality and reciprocity of the above-mentioned account minus £72.00 already been refunded into account.

    Therefore, the total amount I am claiming is £276.00 + £120.68= £389.29 -£72.00 = £324.68?? :confused:

     

    Also how would i show this £72.00 refund on my schedule???

     

    any help greatful

    thanks

  13. Hello

     

    Can anyone help with this situation???

     

    The problem is, I was helping my brother start in reclaiming back unlawful charges he sent prelim letter and then letter before action letter he recieved a couple of letters in between this saying that they are looking into his complaint!! The deadline came and went that my brother should of filed in court with his claim ( lack of funds for filing in court:( ).

     

    Now he has recieved another letter from abbey stating that they have looked into his complaint and basically saying that it was his fault why he got charged and they had the right to charge what they did!!! And so will not be returning any of his charges at all!!!!!!!

     

    I did tell my brother that he needed to file at court !!!!!!

     

    So what can he do now to reclaim all his charges back can he still file at court??:confused:

     

    Or should he go to the obudsman to see if they can sort out my brother getting his charges back as we all know they have and do return unlawful charges!!!!:confused: :confused:

     

    Im not sure now on how to advise my brother in what to do???:confused: :confused:

     

    Any help with this would be great !!!!!!

    Thanks

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