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lynnuk
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Posted a sar letter on the 22nd July same day as i posted NCO a letter telling them not to call at my house and that the account was in dispute. I recieved a letter from NCO this morning this is the letter. Dated 25 jul 2006

seventy two hour notice

 

You have been legally notified of this debt and you have chosen to ignore your liability to our client. The following alternatives are now available to you:

1) send £425.18 immediatelty

2) contact Ms ***** on **** *** **** to discuss this matter.

Failure to comply with either of these options can result in court action being instigated against you without further communication to yourself.

 

Can they do anything even though i have asked Capital One to take it back and how long do i have to wait for a reply to my SAR the haven't took the £10 out of my bank yet for the charge of it.

 

I would be grateful of any help. Thanks

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I would phone Capital one right now and speak to them about it. Be firm with them and tell them you want them to take the debt back as it is in despute. they should contact NCO about it rather than you. that is what happened with my council tax arrears. you dont want them coming to your house and lifting all your stuff...

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Recieved a letter from capital one on the 28th july sayin that they had recieved my letter and as soon as they had the statements they would send them to me. It's now the 2nd August and the £10 cheque i sent with the letter has still not gone out of my bank account does it usualy take this long for them to take the money off you.:confused:

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Hi i sent my sSAR of on the 22nd July and recieved a letter from crap 1 on the 28th July saying the have recieved it and as sooon as they have the statements they will send them to me it is now the 10th August and i haven't heard anything and they still haven't cashed the £10 cheque. How long do i leave it b4 i can do something an what do i do nx. Any help would be much appreciated. Also i got another letter form NCO this morning asking me to phone them to discuss the account and organise a mutually acceptable resolution of it. :confused:

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Hi lynn

 

I sent my SAR letter to cap one on 3 July which gave them til 14th August to send my statements. I received them yesterday....9th August...with 5 days to go til the deadline, I've read a few posts where people received their statements with only 1 day to go til the 40 day deadline was up.

 

They still haven't cashed my £10 cheque either, I don't think they will now but if they do then I'll just add it to my claim.

 

Hang in there Lynn, you will receive your statements. Count your 40 days from the date on their acknowledgement letter saying they had received your SAR, then that'll give you an idea of how long it should take.

 

Hope I've helped. Im pretty new to this myself. And I'm crapping myself as I've never done anything like this before! lol

  • Confused 1

** Progress Report **

Capital One -

D.P.A. request sent R/D 3.7.06

Prelim letter claiming £900 sent R/D on 12.8.06.

Offered £345.60 25.8.06 - not accepting!

LBA sent r/d 1.9.06 = £1,249.51

Cap One refusal to increase offer rec'd 13.9.06

Lloyds TSB

D.P.A. letter sent by R/D 3.8.06

D.P.A. del'vrd 4.8.06 - 40 days=13.9.06

Statements that don't make sense rec'd 29.8.06

Cabot

CCA letter sent by R/D 3.8.06

CCA letter not yet del'vrd as at 15.8.06!!!!

Emailed Royal Mail 14.8.06 & await reply

Bank of Scotland

D.P.A. request sent by R/D 12.8.06

D.P.A. del'd 16.8.06

---------------------------

If you think I've helped please click on my scales - top right.

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Thanks for that this is the first one i have done as well i have a couple of catalogue ones goin at the min though. Just counted 40 days and that take s them upto 7th september so i'll just sit and wait, let me know how u get on seen as u r just a bit in front of me ;)

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  • 2 weeks later...

Hi all post man knocked this morning with something i had to sign for when i opened it it was all my cap 1 statements i have had a quick glance through and think they have charged me about £300 in charges so by my reckonin i now only owe them abot 120 instead of the 420 the are asking for. Will have to start readin a few more on here now to see what i do next. Thanks:?

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i've added up the late payment fees and overlimit fees and they come upto £320 do i have to add the interest on this an if so how so i do it. Are these the only things you add up or do you add the purchase interest rate as well (i'm a bit confussed now after sat reading a few posts on here).

Hope someone can help. Thanks

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i've added up the late payment fees and overlimit fees and they come upto £320 do i have to add the interest on this an if so how so i do it. Are these the only things you add up or do you add the purchase interest rate as well (i'm a bit confussed now after sat reading a few posts on here).

Hope someone can help. Thanks

 

What about DD Reversed fee? I have read about this one also on Cap One, anything that is not either interest, cash advance or a purchase should be looked at closely, it may not at first glance appear to be a fee.

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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I have a statement missing from sept 05 which they said they are trying to get and will send it to me as soon as they get it. Do i have to wait until this statement comes before i send the prelim letter off. Also i have a card protection on it one for £35 and one for £50 is there anything i can do about these. Thanks

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Yes indeed!!

I claimed for DD reversed fees. These enraged me more than any other charge. Got charged £35 from my current account and then £20 from Cap One.

Over the top and unreasonable.

Abbey Prelim Letter sent 16/06/06 - LBA sent 30/06/06 - MCOL served 22/07/06 - Acknowledged 26/07/06 - Defended 16/08/2006 - Settled 20/09/06 :o

Abbey 2 Prelim Letter sent 22/09/06

Abbey 2 LBA sent 9/10/06

MCOL 03/11/06

Cap One Prelim sent 28/06/06 - LBA sent 13/07/06

MCOL served 05/08/06 - Acknowledged 02/08/06 - Served 05/08/2006 -Settled in full 22/08/06 :D :D

Halifax Prelim sent 03/07/06 - LBA sent 17/07/06

MCOL issued 03/08/06 - settled in full 09/08/06 :D

MBNA S.A.R sent 21/08/06 Settled 21/09/06 :-o

Morgan Stanley S.A.R sent 29/09/06

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Send off your prelim. Your claim can be amended up until you file at court - so still plenty of time for your missing statement to arrive.

 

I can't help with the other question, I'm afraid - anyone else?

Abbey Prelim Letter sent 16/06/06 - LBA sent 30/06/06 - MCOL served 22/07/06 - Acknowledged 26/07/06 - Defended 16/08/2006 - Settled 20/09/06 :o

Abbey 2 Prelim Letter sent 22/09/06

Abbey 2 LBA sent 9/10/06

MCOL 03/11/06

Cap One Prelim sent 28/06/06 - LBA sent 13/07/06

MCOL served 05/08/06 - Acknowledged 02/08/06 - Served 05/08/2006 -Settled in full 22/08/06 :D :D

Halifax Prelim sent 03/07/06 - LBA sent 17/07/06

MCOL issued 03/08/06 - settled in full 09/08/06 :D

MBNA S.A.R sent 21/08/06 Settled 21/09/06 :-o

Morgan Stanley S.A.R sent 29/09/06

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I have a statement missing from sept 05 which they said they are trying to get and will send it to me as soon as they get it. Do i have to wait until this statement comes before i send the prelim letter off. Also i have a card protection on it one for £35 and one for £50 is there anything i can do about these. Thanks

 

You can send the letter now, no need to wait for the statement. It will be possible to amend your claim at the LBA stage or even right up until you actually file it.

 

As for the card protection fees, this is a service that you have bought and paid for, you cannot claim that these are unlawful charges.

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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  • 1 month later...

hi all sorry not been on 4 a bit had a bit of trouble at home. Anyway i sent me letter out an have recieved a reply dated 18th september , it's the normal we will reduce the £20 fees to the £12 fee so they are offering to take £128. off my bill instead of the £320. I am now gonna write a letter sayin i will accept that as part payment but i intend to go for the full amount. Has anyone got a copy of a letter like that just so i could have a look b4 i write it. Thanks

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hi lynnuk

ive been searchin and searchin for about two hours for a letter saying exactly that.. someone has advised me to say in the lba that i will accept the offer as partial settlement and i do not accept this offer as full and final settlement and my acceptance does not prejudice my right to take you to court for the full amount..

perhaps someone will post a letter they have sent

karen

cap one - prelim letter sent 23/8 £460 owed

partial refund, now sod off letter received 6/9

lba 5/10, claim served 30th jan,

CAP ONE SETTLED IN FULL 15thTH FEB!!!

 

 

lloyds card services - prelim sent 23/8 £332 owed

sod off rerceived 25/9

lba 26/9

claim issued via mcol 13/10

awaiting papers from SC&M

court date set for 26th March

 

 

nat west - Data Protection Act sent 11/7.. non compliance.. considering court action.

non compliance letter sent 29/8 giving them a further 7 days- gave them loads more days!!

5/10 lba sent for pre action disclosure

settled in full 2.1.07

 

 

 

cahoot - Data Protection Act sent 7/8 on hold for a while

 

Tesco - prelim sent 6/10 £200 owed

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Hi Karen,

 

I'm sure you can cut and paste a paragraph from the letter in my capital one thread - link in signature :)

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Thanks for that i have written a letter out but am a bit confused now, this is a copy of my letter

Response to settlement offer.

Dear Sir/Madam

Thank you for your letter dated 18th September 06.

I repectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on this account, totalling £320.00.

I will accept the sum offered only as part settlement and on the clear understanding that i will pursue recovery of the remainder, with a County Court claim if necessary.

My letter before action sent previously indicates that you will have until xx/xx/xx to respond before Court action commences. You are reminded that there will be no extension to this timescale.

I trust this clarifies my posistion.

what is the letter b4 action? hope someone can help i'm gettin a bit lost lol once i get my head round this one i can start on lloyds one for b/friend

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hi lynnuk

have you not sent the letter before action?. its in the library template section.. it gives them 14 days to come up with a full refund or you will commence court proceedings against them.. without further notice.. this is the problem i was having.. trying to incorporate the lba and the rejection of settlement offer... havent quite managed it yet!!

good luck

karen

cap one - prelim letter sent 23/8 £460 owed

partial refund, now sod off letter received 6/9

lba 5/10, claim served 30th jan,

CAP ONE SETTLED IN FULL 15thTH FEB!!!

 

 

lloyds card services - prelim sent 23/8 £332 owed

sod off rerceived 25/9

lba 26/9

claim issued via mcol 13/10

awaiting papers from SC&M

court date set for 26th March

 

 

nat west - Data Protection Act sent 11/7.. non compliance.. considering court action.

non compliance letter sent 29/8 giving them a further 7 days- gave them loads more days!!

5/10 lba sent for pre action disclosure

settled in full 2.1.07

 

 

 

cahoot - Data Protection Act sent 7/8 on hold for a while

 

Tesco - prelim sent 6/10 £200 owed

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Here is the letter I sent after receiving a part refund:

YOUR Street

Town

City

Postcode

Date

BANK NAME

Address

Address

Postcode

Re: Account number XXXXXXXX

Response to settlement offer.

 

Dear [named sender or Sirs]

Thank you for your letter dated xx/xx/xx

I respectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on this account, totalling £xxxx

 

I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder, with a County Court claim if necessary.

 

My letter before action sent previously indicates that you have until xx/xx/xx to respond before Court action commences. You are reminded that there will be no extension to this timescale.

 

I trust this clarifies my position.

 

 

Yours faithfully

[signature]

[print name]

[/right]

Settled at 50%

Clydesdale £155. Should have been £310 charges, plus interest :( Husbands Account.

 

 

SETTLED IN FULL:

MBNA £1230. For Hubby.

Halifax £39.

RBS £342. For Hubby.

Cap One £200.

Abbey:

:D Settled in FULL April 18th 2007. £5179.83 Paid but what a long battle!

:D

COMPENSATION OF £100 ON 14/04/08 FOR CONTINUED HARASSEMENT.

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