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lloyds1981
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Hello All

 

Recently send my first letter to Cap one asking to be refunded £452, but have has no correspondance from them and they have credited the account with £176 - the difference between the £20 and £12.

 

I didnt ask to be credited the differnce they have just done it !!

 

Has anyone else out there had this ?? And how do i proceed ?? Do i now just send the LBA and request the rest ??

 

Cheers

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Thanks for the quick response Michael !!

 

Does anybody have a copy of the letter i should send back to them to reject the offer ??

 

I have seen letters before for both LBA's and rejecting offers, which is the easiest route to go down before i can start N1 ing ??

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hi

 

Here is the link for the c/c Lba

 

Credit/Store Card Letter Template (thanks Bookworm01036)

 

 

A-Z Index

 

 

 

 

 

 

 

HOW NOT TO CLAIM...Click here!

 

HOW TO...DUMMIES GUIDE TO CAG...Read here

 

.please remember that any advice i give is purely my own experience or opinion thankyou

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Cheers again Michael, will start putting that toghther.

Just one more thing, when i wrote the intial letter to Cap one i did not ask for the interest, now that i am about to procede to the N1 stage can i apply the interest ??

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Yes, s69 8% interest is included in your POC's

 

Use the Simple S/S here:

 

http://www.consumeractiongroup.c o....eadsheets.html

 

EnglandSimpleSpreadsheet.jpg

 

When entering your charges, don’t delete anything first. Just overwrite the existing examples: type of charge, amount and date.

 

The days since and 8% will be calculated automatically

 

Save it and print out as your schedule of charges.

 

If you don't have Excel, Works or OpenOffice use this online s/s:

 

Spreadsheet: Online & Simple to Use

iCalculate

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Thanks again mate

 

Just one more question, i promise !!

 

When filling out the N1 form it requires me to enter the below info;

Charges £xxx.xx

Overdraft Interest £xxx.xx

Interest under s.69 County Courts Act 1984 £xxx.xx

Court Fee £xx.xx

 

TOTAL £ xx.xx

 

Plus interest pursuant to S.69 County Courts Act 1984 from date of issue to date of judgement/settlement at £xx.xx per day [(enter daily rate here - (CHARGES+OD interest)x 0.00022 = pence per day)] OR at such rate and for such periods as the court deems just.

The overdraft intrest i assume i can delete as it does not relate to a bank account ?? And what does it mean by the 'daily rate' and £xx.xx per day ??Is it daily rate minus charges and od interest x0.00022, or am i being thick ??

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When filling out the N1 form it requires me to enter the below info;

Charges £xxx.xx

Overdraft Interest £xxx.xx This is overdraft interest that relates directly to your penalty charges, as opposed to general overdraft interest. It's difficult to separate out and for simplicity most people don't bother.

Interest under s.69 County Courts Act 1984 £xxx.xx

Court Fee £xx.xx

 

TOTAL £ xx.xx

 

Plus interest pursuant to S.69 County Courts Act 1984 from date of issue to date of judgement/settlement at £xx.xx per day [(enter daily rate here - (CHARGES+OD interest)x 0.00022 = pence per day)] OR at such rate and for such periods as the court deems just.

 

And what does it mean by the 'daily rate' and £xx.xx per day ??Is it daily rate minus charges and od interest x0.00022, or am i being thick ??

 

If you are not claiming the overdraft interest on your charges, the daily rate is the total of your charges x 0.00022

 

eg £495 x 0.00022 = £0.11p

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  • 3 weeks later...

Ho lloyds - yes, keep us posted. Nearly there now :)

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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Hi lloyds1981,

if my claim against Cap1 is anything to go by, you should be getting the "we do not agree, but here you go" letter very soon:D

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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  • 2 weeks later...

Still no response from Capital One !! Is there anyway i can chase the court or capital one to see how the claim is being processed ??

 

They do have until the 4th of April to respond, but i am getting a bit twitchy !!

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You can't really chase it up. They've got till 4th to acknowledge service, file a defence, or whatever. They usually do acknowledge, to be honest. But you should be getting your "of course you're wrong, blah blah loads of rubbish but we'll pay up anyway" letter soon.

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Well just checked my post this morning and still have had no response from capital one, also checked the card account and they havent credited the account !!

 

Should i leave it a few more days or press on with the judgement ??

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Give them a few extra days - these organisations are always fashionably late. The problem is the courts let them get away with it. :mad:

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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