Capital One! Help please **WON**

[Trudianne]

Hello all!

I made a start claiming charges back from Capital One and had the usual letters of offers of "goodwill" (yeh right!) which I refused back in November.

What with Christmas and all I couldn't afford to put in to Court but now I can do so - do I have do start at the begining again and allow the time scale to run or can I now put in my claim to Court?

Any and all advice VERY gratefully received.

Thanks in anticipation!

TA

[steven4064]

It you have sent a letter before action and given them 2 weeks then you can go straight to court. It's your timescale, go at your pace. keep us informed on progress, we're right behind you

[Trudianne]

Thank you - that's my evening sorted then filling in the N1.

 

Thanks again.

x

[steven4064]

Thank you - that's my evening sorted then filling in the N1.

Nothing worth watching on TV anyway

[Trudianne]

Right - ready to go with my N1 - how much does it cost to file this at the Court? Claim is for around £900.

Thanks for any help!!

 

[steven4064]

Trudianne

 

For fees, see here

[Trudianne]

Thank you - I can actually afford to do this then!

 

Thanks again x:)

[ammani]

Hi Trudianne,

 

good luck with your claim. I am in court with Cap One tomorrow. They are a sneaky bunch i warn you, i started my claim in april 2006, but i was also asking for default to be removed.They have contacted the court several times to say claim has been settled when it hasnt, so do keep in contact with your local court.

[Trudianne]

Sent my claim to Court on 14 Feb - they have cashed my cheque but I have heard nothing from them. Should i chase them or do you think they've held it with the bank charges?

I am right in thinking that we can go for credit card charges and it is just the bank charges that are all stayed??????

Beginning to doubt everything..........

[steven4064]

Just hang in there Trudianne. The courts can take a couple of weeks to get back to you but it might be worth phoning to ask. THey shouldn't stay a credit card case - if they have, it's a msitake.

[Trudianne]

Many thanks for the support - starting to doubt that this is going to work.

If it comes off I will be free of credit card debt!!!!!!!:grin:

[lloyds1981]

Hello Trudianne

 

Have been following your plight !!

Did you find out if your claim was stayed ??

[Trudianne]

No - haven't had a chance to phone but I have written to the Court. It is difficult for me to ring from work.

Will post it here when I find out - I've a suspicion they have stayed it.

[ammani]

Hi Trudianne, please dont have doubts, it will all work out ok. You probably havnt heard anything, because the courts are behind processing claims, as they have so many! I had a court case on 5th ofFebruary 2008 and a judgement was declared by the judge, but i called on friday and it still hasnt been typed up, as they have so much to get through.They have promised to get it done by monday for me.Just have faith and you will see it will be ok. If you can call them, they are usually very helpful indeed, and will let you known whats going on. Good luck and stay strong.

[thelightbrigade]

Capital one settled in full once they received court papers, it does take a couple of weeks though.

[Trudianne]

Thanks for support guys! :grin: It helps having people confirm you are doing ok.

 

I had the papers back from Court yesterday and Cap One have until 19 to file a defence. Do you think they will or will they pay up?

 

Interesting I had a general order as well saying that perhaps the parties might like to consider whether the case should be stayed pending outcome of oft..............

 

Considered it .....nah, don't think so.

 

Cap One can't insist that the case is stayed can they as it is credit card NOT bank charges.

[kfdh1962]

if they run to their usual form they will pay before it goes to court. On my claim they paid at the same time as submitting their defence and stated in the defence claim settled...

 

stick at .. you WILL win

[Trudianne]

Thank you! I'm just Little Miss Doubtful!!!!! Glad it worked out for you!

[ammani]

Hi Trudianne, it will work out for you too, just keep going.

[Trudianne]

GUESS WHAT.............................letter from Capital One today saying they have cleared my card balance and will be sending me a cheque for the difference and would I please write to the Court to say they have paid up and claim s settled!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

 

Even so they still make the point that they do not agree that their charges are unfair.......

 

Thanks all - donation on it's way next pay day!

 

:grin: :grin: :grin: :grin: :grin: :grin:

[steven4064]

CONGRATULATIONS Trudianne - Well done

[ukaviator]

Congratulations. . . well done Trudianne..

[elsinore]

CONGRATULATIONS!!

 

Thread title changed.

 

Els

[thelightbrigade]

Congratulations!!!

[ammani]

Well done Trudianne, make sure the cheques in your account before writting to the court, so glad for you.