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barracad v Capital One - **WON**


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Hmmm I thought I already had a thread running in this forum... apparently not!

 

So here goes:

 

Prelim sent: 09/06/06

LBA sent: 24/06/06

 

 

They've completely ignored both letters so I've started a claim against them.

 

£200 + £19.82 interest + £30 Court fees + 4 whole shiny pennies per day interest until they cough up.

Opinions given herein are made informally by myself 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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  • 3 weeks later...

Letter received today. Capital One reckon they don't owe me a penny, but they are giving me the whole lot back anyway.

 

£249.82 being refunded :-D

Opinions given herein are made informally by myself 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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Congratulations.........Yippee.

 

They have already offered me £423 but not sure how much I have paid. So told them 100% please or see you in Court.

 

Once again CONGRATULATIONS...:razz: ..:razz: ...:razz: ...:razz: ...:razz: ...:razz:

Abbey National - Prelim Letter sent / LBA sent 10th August.

Capital One - Data Protection Act S.A.R - (Subject Access Request) sent - Offered £428 - Refused. Statement received Actual charges £1060. M/C ISSUED PAID IN FULL I WON

GMAC Redmption Penalty - Letter sent requesting full detailed explaination of charges/exspense and penalty charges received

Yorkshire Bank/Visa - Data Protection Act S.A.R - (Subject Access Request) sent. Visa Prelim sent £235. No statements as yet for Bank Account.

 

This site has been so helpfull I will donate to keep it running to help others. :p

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Well Done Barrcad on Getting Your Money Back.

Capital one have been sly with me, no letters with any offers,, they just refunded £80.00 of the £200.00 Im claiming in my account, Ive spoke to them about this & they say, thats full & final, which I know Im not leaving it there, only problem I have right now, Im scared to use my credit card, coz if I spend any of the money they refunded, it might look like I've accepted, so any help on this I would be grateful

Well Done Again

Angi x

Good Luck with Your Claim

 

Angi x

 

 

:) If I have been of any help, please click the Scales of 'Justice' in the botton left corner. ;) Thanks

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They didn't send me any response whatsoever to my preliminary letter or LBA. If they have put in writing that they are refunding the £80, then write to accept it as part payment anyway - this way you are able to spend the money.

 

If they haven't said anything to you, but £80 has been credited to your account, don't spend it.

Opinions given herein are made informally by myself 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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Thanks so much for telling me that, they said I should have had a letter about the offer, but I've had nothing, so will take your advice, I wont spend (yet lol) till I have full amount.

 

soz for using your thread, but I didnt know what to do about it.

 

Thankyou Again

 

Angi x

Good Luck with Your Claim

 

Angi x

 

 

:) If I have been of any help, please click the Scales of 'Justice' in the botton left corner. ;) Thanks

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Hi,

 

Article from Daily Mirror 31st July, page 18. Quote "Captial One forgot to send Terms & Conditions to more than 100,000 card holders, a legal requirement - after they bought payment protection insurance. This means the customers are entitled to a full refund - even though their insurance remains in place. Capital One have written to about 6000 customers to offer them their money back and gauge how many will want a refund."

 

I haven't had a letter yet, so going to remind them I've paid £535 for this in the past two years.

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Congratulations barracad!

 

SaudiMail - Thanks for your post about payment protection insurance.

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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