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tracyab1972

Me v capital one

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Hiya folks

 

I was just wondering how long it took for you all to get your statements from Crap1.

 

I sent my letter over 2 weeks ago, which is fine, but they haven't even cashed the cheque. Do they normally send them at the last minute???

 

Cheers

 

Tracy

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They have 40 days to comply. They are rather busy at the moment ;) Awwww bless them. :D


 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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Cheers livelylad. I know what a shame for them;)

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Hi It Took Them About 3 Weeks To Send Out My Crap One Statements. And They Did Not Cash My Cheque As Yet


claim with woolwich for £1895. offer recieved for £1412 . rejection letter sent on 05/04/07.

claim with capital one for £987 for two accounts, preliminary sent 02/04/07

still waiting for full statements for husbands capital one.

gemoney sar sent on 03/03/07. on 3 accounts. cheque cashed.

barclays bank sar sent on 03/03/07. had response and cheque returned, but still no statements.

monument sar sent 03/03/07. phone call from monument to say they are dealing with my request.

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Thanks Cheesenpickle, Im very shocked they didnt take the fee. Saying that Mounment sent my cheque back and gave the info for free. Very generous of them!!!

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Hi

 

I phone Crap 1 yesterday for my statement and unusally for them got to talk to someone quite nice (makes a change).

 

I asked her if she could tell me when I should expect them, she tapped away and replied that they were currently working on the 26 Mar, as they are having a lot of requests (hmmmm wonder why huh)

 

Hope this helps!

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Thats great brightestsparkler, it gives me a rough idea on how long I might need to wait...

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I'm in the exact same position. I have sent my request 30 days ago and still no statements to be recieved. They have about 11 days left. I will be phoning TONIGHT !


Capital One SAR sent-15.03.07. Info recieved-13.04.07

Barclay Card SAR sent-15.03.07

 

WORK IN PROGRESS :cool:!!!;)

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they took 31 days for me, entered all the info into the simple spreadsheet, waiting till i have a day when I have a clear head before I attempt to calculate the contractual - if anyone has managed this with cap 1 feel free to pm me ;)

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Took them 38 days for me (sent them Royal Mail special delivery guaranteed by 1pm - so cost them a bit). Unfortunately they only sent me 9 months of transactions details from May 2002 to January 2003.

 

I would think this is either a stalling action or just incompetence as their probably quite harrassed at the moment with the number of SAR's.

 

So LBA in post.


HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

 

 

 

Complaint to the OFT about DCA's threatening legally action on statute barred accounts

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Took them 38 days for me (sent them Royal Mail special delivery guaranteed by 1pm - so cost them a bit). Unfortunately they only sent me 9 months of transactions details from May 2002 to January 2003.

 

I would think this is either a stalling action or just incompetence as their probably quite harrassed at the moment with the number of SAR's.

 

So LBA in post.

 

Rory, I've just returned home to the EXACT same thing. I've recieved it today , recorded delivery too, and it dosen't look as though it's a complete set of statements :evil: I'm so annoyed. Although, I think they just send you statements with the charges. Thing is, they are not actual statements. They just look like actual printouts bulleting the charges... it's not an actual copy of the statement like the one you would recieve monthly


Capital One SAR sent-15.03.07. Info recieved-13.04.07

Barclay Card SAR sent-15.03.07

 

WORK IN PROGRESS :cool:!!!;)

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They don't have to send you statements but I'm assuming like me you asked for a full list of transactions and charges on your account. Bullet points are fine as long as they give you all this info.

 

Personally I don't really care if they do default on my LBA as then I can take them to court and seek damages as well as a court order.


HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

 

 

 

Complaint to the OFT about DCA's threatening legally action on statute barred accounts

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Right, well I just looked carefully through it all and yes they did state out specifically the charges ... £300 quids worth too :confused:


Capital One SAR sent-15.03.07. Info recieved-13.04.07

Barclay Card SAR sent-15.03.07

 

WORK IN PROGRESS :cool:!!!;)

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How do you know the charges are complete if they have not given you a full list of transactions for each month you have had an account with them?

Didn't you ask for a list of all transactions for the history of the account including any charges. They haven't complied with this so let them know in no uncertain terms that what they have supplied you with is not good enough and does not fulfill the requirements of your SAR.

 

LBA required I think


HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

 

 

 

Complaint to the OFT about DCA's threatening legally action on statute barred accounts

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Hi Folks

 

I would be grateful for any help here if possible.

 

I have just received my SAR from C1 and need some help with my Prelim letter.

 

I have calculated the late and overlimit fees they have charged me which amounts to £452.00. My question is- do I ask for contractual interest at the prelim stage and if so, how do I work this out??

 

Cheers

 

Tracy

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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

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Hi Tracy

 

On your statements you should see figures like :

 

1.850% for purchases and 1.904% for cash. . . or simular figures, left hand side below your monthly transactions. What some people do to make it easier for compounded contractual, is add the figures together and divide by 2 for an average.

 

So : 1.850 + 1.904 = 3.754% -: 2 = 1.877%

 

Type that into this calculator at the bottom and it will give you the rate you need for your spreadsheet. This figure is what they have charged you as an APR..

 

http://www.zen122856.zen.co.uk/CompoundSheet_v1.9.xls

 

Uk


Some useful links.

FAQ's

Making Posts

Letter Template Library

Bank Contact Details

AQ Guide to Completion

Court Fees

Data Protection non Compliance

Witness Statements for Court Bundle

Banking Code Website

Limitations Act

Fast Track Costs

A-Z Index

Mis-Claim Tutorial

Step By Step Instructions

 

Remember: The Ark was built by amateurs-The Titanic by professionals.

 

Please click my scales if you find my advice helpful !

 

If your claim is successful, please donate 5% so that it can continue to help others.

 

Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

 

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

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Thanks for that guys:)

 

Aviator, I have got a statement and checked the figures and the only thing I can find is Purchase Interest charged at 2.549%. I cant see anything about cash... Can you help further??

 

Thanks

Tracy

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Im trying to use the With Compound spreadsheet and have made an aco**** with Google but it wont let me add any data. It stated 'view only'

 

Can anyone help with this please?

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Hi

 

If you click on file, choose copy spreadsheet and you should be able to add data.

 

Hope this helps

 

Lindy

x

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Your a star Lindy

 

Many thanks

 

Tracyxx

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Does anyone know how to fill in Vampiress's spreadsheet.

 

Im not too sure how to fill in the following:

 

Interest rate

Judicial Interest rate

Date of judgement or payment

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i used vamps spreadsheet 13 for my cap one claim!!!! which spreadsheet are you trying to fill in??

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Hiya allbyswife, I am using spreadsheet 8 as I am in Scotland

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