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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
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Bean's Timeline (Capital One) ***SETTLED***


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They ARE adding "purchase interest" to their unlawfull fees so it IS recoverable

 

Yes, I am claiming back charges plus purchase interest levied on these charges.

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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Thanks sidvicious, keep moving forward.

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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  • 2 weeks later...

Received a reply dated 29 August 2006 from AC of their Executive Office.

 

"Thank you for writing back to me about the fees on your account. I'm sorry I haven't been able to respond in full sooner and I realise you're disappointed with us because of this. I hope I can resolve things today so we can put this experience behind us.

 

I understand you think our fees are unlawful and I'd like to explain why we've added them to your account. We automatically add a late payment fee if your payment is missed, arrives late or isn't enough to cover your minimum payment. This has happened xx times since we opened your account. We also add overlimit fees if your balance goes over your agreed credit limit, which is £xxxx. Your balance has been over your limit for xx months. [To be accurate, it has been over limit on xx occasions, it has not been over limit consecutively for xx months.]

 

When we opened your account, in , we sent you a credit card agreement which stated these fees. By signing and returning this to us, you agreed to the terms and conditions for the account, including the fees.

 

Our fees are in line with other banks and financial institutions. As you're probably aware, the Office of Fair Trading (OFT) aren't challenging the right of banks to charge default fees, but merely the level of those fees. We believe that our fees are both fair and legal and we've added them to your account correctly.

 

However, as a gesture of goodwill, I'll refund fees totalling £262 for you. These refunds will reduce your fees to £12 each, [Their figures are incorrect - based on the figures in their letter which don't tally with the statements provided, this refund would reduce each charge to £14.30. Based on the statements provided, this refund would reduce each charge to £12.30] which is the figure mentioned by the OFT. [!!!] If you'd like to accept my offer, please sign and return the form I've included. I'll add the refunds to your account when I've received your signed form.

 

To:

Executive Office

Capital One Bank (Europe) plc

PO Box 5281

Nottingham

NG2 3HX

 

From:

 

Our ref: xxx/xx/xx-xxxxxxx

Your ref: xxxx-xxxx-xxxx-xxxx

 

I confirm acceptance of Capital One's offer of late payment and overlimit fee refunds totalling £262. These refunds are accepted by me as closure of my complaint about the fees added to my account.

 

Signed...

Date...

 

Signed on behalf of Capital One

 

Dated 29 August 2006"

 

I shall decline their offer to refund 38.5% of the claimed penalty fees, ask them to confirm the number of charges as they exceed (by 10 occasions) those stated in my statements/data, and shall issue a County Court claim as I said I would in this eventuality.

 

At my leisure, I will send back their included sheet headed:

"We'd be very grateful if you could take a few moments of your time to give us your comments on the way that we've handled your complaint, this is so that we have the opportunity to improve our services in the future".

..with my comments.

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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...I shall decline their offer to refund 38.5% of the claimed penalty fees, ask them to confirm the number of charges as they exceed (by 10 occasions) those stated in my statements/data, and shall issue a County Court claim as I said I would in this eventuality...

 

As I have stated elsewhere, accepting a partial settlement is open to problems that I do not wish to get involved in.

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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  • 2 weeks later...

N1 County Court claim form submitted to local County Court today, claim sum ~£875.

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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Great. Keep us posted!

Abbey - 547.00 settled in full.

Second claim: £204 WON.

Barclaycard - 142.88 incl interest due WON BY DEFAULT as they didn't even bother entering a defence. Barclaycard paid up £184.88.

 

MBNA - Concluded £634.31

Capital One Concluded £148

Kinda disappointed I've no more banks to go after now...

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Thanks give_me_it_back,

 

I will keep you posted,

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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yes i'd love to know how you get on with this as I too have been offered about a third of my claim amount and will progress with my LBA on Friday.

 

I think its very cheeky that after they've taken our eyeballs out in charges they are now going to take it upon themselves to just reduce them! How dare they! I'd like it all back please Cap One!

 

Good luck x

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At my leisure, I will send back their included sheet headed:

"We'd be very grateful if you could take a few moments of your time to give us your comments on the way that we've handled your complaint, this is so that we have the opportunity to improve our services in the future".

..with my comments.

 

I gave mine to my beautiful granddaughter to crayon coloured pictures of her grandpa on!:D

 

Good luck Bean!

 

Elsinore

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I gave mine to my beautiful granddaughter to crayon coloured pictures of her grandpa on!:D

 

:D . I know, it's remarkably easy to think that no good will come of our returning feedback forms. You have obviously put yours to good use.

Family is what life is all about, and we are both rich men in that respect.

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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  • 3 weeks later...

:D I am pleased to say that I received an offer of full settlement this morning. I shall be accepting their offer:D .

 

It reads:

 

"28 September 2006

 

Dear

 

Your claim against Capital One Bank (Europe) plc

County Court Claim number ********.

 

I write in connection with the above claim you have issued against Capital One Bank (Europe) plc. I have now had the opportunity to investigate your claim for the total sum of £875.60, which I understand is in connection with the default fees and interest that we have charged to your account.

 

It is denied that the fees are unlawful and they are detailed in your terms and conditions and in our customer welcome pack. Our fees are based on the costs we incur when a customer breaks their contract by making a late payment, failing to make a payment or goes over their credit limit. The fees are only levied when a customer breaches their contract in this way and can be avoided if payments are maintained and the account kept within the agreed credit limit.

 

Capital One has acted in accordance with the terms of your credit agreement throughout this matter and it is clear that you have no claim against Capital One. Whilst we do not accept liability for the claim, I am prepared, in an effort to resolve this matter without the need for a court hearing, a full refund of you claim for £875.60.

 

This offer is made purely as a matter of goodwill and is put forward in full and final settlement of your claim number ********. This means you also agree to notify the court of the agreed settlement and we will do the same.

 

If you are happy to accept my offer, please sign the settlement form I have included with this letter and return it to me within the next seven days. Once I have your settlement form back, I will add the refunds to your account.

 

I look forward to hearing from you shortly in response to this offer and avoid taking up valuable court time.

 

Yours sincerely,

 

**

Executive Office

For and on behalf of Capital One Bank (Europe) plc

 

 

Complaint Settlement Form

To:

Executive Office

Capital One Bank (Europe) plc

PO Box 5281

Nottingham

NG2 3HX

From:

County Court Claim Number ********

Your ref: ****-****-****-****

I confirm my acceptance of Capital One's offer to refund the default fees and the interest totalling to £875.60, which is the full amount stated on my claim form.

 

I confirm this offer is accepted in full and final settlement and without any admission of liability on the part of Capital One of court claim number ********. I will not take any further action against Capital One and I also agree to notify the court to confirm settlement has been reached.

 

Signed......

Date........

 

Signed on behalf of Capital One

.**.....

 

Dated

.28/9/06....."

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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CONGRATULATIONS - Hooray for you Mr Mean ;-)

 

It's great to see they're still paying up (or should that be playing). Just don't cancel the claim till the moneys in your hands...

[SIZE=1] [SIZE=1][COLOR=royalblue][COLOR=black][B]NatWest [/B] Offer accepted - 24/07/06 - £615[/COLOR][/COLOR][/SIZE] [SIZE=1][COLOR=royalblue][COLOR=black]-----------------------------------------------[/COLOR][/COLOR][/SIZE] [SIZE=1][COLOR=royalblue][COLOR=black][B]Cap One [/B] Prelim - 22/08/06[/COLOR][/COLOR][/SIZE] [SIZE=1][COLOR=royalblue][COLOR=#000000]LBA sent - 06/09/06 [/COLOR][/COLOR][/SIZE][SIZE=1][COLOR=royalblue][COLOR=#000000] MCOL issued 06/10/06 Served 11/10/06. Acknowledged - Deadline 25/10/06 [COLOR=Red] Offer of full settlement via personal cheque accepted £269. Wait 14 days in post for cheque from - 07/11/06 [/COLOR] [/COLOR] [/COLOR][/SIZE][SIZE=2][COLOR=magenta][B][COLOR=darkslateblue]Hit the [/COLOR][COLOR=darkslateblue][URL="https://www.paypal.com/cgi-bin/webscr"][COLOR=red]DONATE BUTTON[/COLOR] [/URL]and give 5% back to support this site! And don't forget the [COLOR=red]survey ;) [/COLOR][/COLOR][/B][/COLOR][/SIZE] [/SIZE]

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Thanks Pixlmixer, I have sent them the completed Complaint Settlement Form. They say they will credit my account when they receive it.

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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I have sent them the completed Complaint Settlement Form

 

Already signed and sent.

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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Congrats Bean on your success! I am just preparing my MCOL and really nervous, but when I read through these threads it gives me hope.

 

I see Cap1 will refund to your account, as my charges outweigh how much is owed on my account I was wondering if in this situation do they clear the account and put it in credit or send a cheque for the difference? :rolleyes:

 

Well done x

First letter to halifax sent rec del 26/4

Data Protection Act letter to capital one sent rec del 26/4

Halifax 1st offer dated 5/5

Capital One ack Data Protection Act request rec 6/5

Request for repayment to Capital One 2/8

LBA sent 22/8

Court proceedings issued 13/10

Settled in Full 9/11

Donation made 14/11

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Thanks Jhawc24,

 

No need to be nervous at all, you are in a very strong position.

 

I expect they would credit your account to return it to a 'nil' balance, and send you a cheque for the extra bit. That would seem reasonable. [This is afterall a credit card, not a debit card.] In my case, the repayment clears about 70% of the outstanding balance.

 

I wish you well with your claim,

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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hi Bean

Firstly, congrats on your victory.

i'm just about to start my recovery from Cap1, but how likely do you think they are to close my card? I quite like my little cap1 card, it has been very useful in rebuilding my credit status, and i would be quite sorry to have it taken away.

Don't mean to hijack your thread either.

Well done again.

 

Regards

the train of thought has left the station, hope i was on the right platform!!

 

____________________________________________________

Lloyds TSB

prelim sent 06/07/06 response rec'd 14/07/06

LBA sent 20/07/06 response rec'd 27/07/06

Moneyclaim filed 22/08/06 Ack'd 30/08/06

Defence filed 26/09/06 AQ filed 12/10/06

hearing set for 10th Jan 2007

 

Cap One

prelim sent 2nd Nov 2006 First offer rec'd 14th Nov

any thoughts, suggestions or advice given by MBQ are done so without prejudice. All information I have, i have learned from this excellent site. If in any doubt, seek professsional advice.

 

 

 

 

 

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No need to worry about them closing the account. When they send you an offer letter there is a question at the bottom saying something like "yes I wish to have my account closed" or "no I wish to continue using my account" (or something like that) and you chose what you want to do.

*****************************************

[/url]

Nationwide

Won

Capital One

Won

Citibank

Part win

GE Capital

Won

 

Exchange your council house for free.

www.UseMyPlace.com

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hi Bean

Firstly, congrats on your victory.

i'm just about to start my recovery from Cap1, but how likely do you think they are to close my card? I quite like my little cap1 card, it has been very useful in rebuilding my credit status, and i would be quite sorry to have it taken away.

Don't mean to hijack your thread either.

Well done again.

 

Regards

 

Read this:

 

http://www.consumeractiongroup.co.uk/forum/general/14893-fsa-position-account-closures.html

 

Which includes, for example:

"Briefing Note BN 023/06

4 July 2006

FSA position on account closures and default charges

 

Generally, under FSA rules on dispute resolution and complaints, we would not expect any regulated firm to discriminate against a customer who makes a complaint.

 

However the relationship between a bank and its account holders, including the circumstances and manner in which accounts are closed, is governed by the Banking Code.

 

We have therefore raised this issue with the Banking Code Standards Board, and informed those firms involved that we have done so. As a result of those conversations, we understand that the Banking Code Standards Board intends to state its position on this issue presently. We encourage the industry to use this opportunity to demonstrate the value of the Code in ensuring fair and reasonable outcomes to such disputes."

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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:D I have checked and found that the 'goodwill' sum of £875.60 has been credited to my Capital One account.

 

I have donated 5% and completed the survey.

 

Thank you to the Consumer Action Group:D .

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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luvely jubbly.

 

"and it is clear that you have no claim against Capital One" haha makes me laff

Cap. one Preliminary letter sent 29/09/06

First response rec'd - £134 bug off. 14/10/06

No response :LBA sent 13/10/06

mcol issued no. 6QZ79850: 02/11/06

Acknowledged 09/11/06

 

NatWest - Preliminary letter sent 18/10/06

First response received 24/10/06

LBA Sent 01/11/06

2nd Response rec'd. 11/11/06

mcol begin 16/11/06

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