Jump to content
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


  • Tweets

  • Posts

    • BankFodder
      Evri lost my Ebay parcel £844 - court claim issued

      By BankFodder · Posted

      Sorry, I may have forgot to get back on this. Please monitor for a reply tomorrow
    • occysrazor
      Evri lost my Ebay parcel £844 - court claim issued

      By occysrazor · Posted

      Yes, now its just about getting the WS / Court bundle finalised to send to the court / Evri. I've attached the most recent version of the WS / Court bundle to save having to scroll back up to the previous post (#204) where it was also shared. If you, @BankFodder or anyone else has any feedback on this, i'd be grateful for your thoughts. In my previous post #204, i'd also attached an invoice from Packlink which shows that I was charged by Packlink for these services: "drop-off at Her mes - Next day delivery" and "Proof of Delivery". It also has the payer's address and there are "Origin" and "Destination" fields which have the postcode of the sender [origin] and the recipient [destination] - I have redacted personal details in the attached invoice.  I am already including this in my evidence bundle (without the redaction) but wanted to share this redacted version so that other people can consider this as example in their bundle of Packlink and Evri's contract being instigated by the sender of the parcel who has paid for the service, and further shows that there is information in the invoice to identify that a third party beneficiary (the sender / recipient) is involved in this transaction. I have also attached this redacted invoice in this post to save having to scroll back up. Happy to get any thoughts and if this invoice is no good, then please let me know.   Draft - Witness Statement and Court Bundle redacted.pdf Packlink invoice - REDACTED.pdf
    • superg
      Recording audio in health conversations

      By superg · Posted

      Does anyone know if I would be allowed to record conversations with health professionals for my own use on my phone without them knowing. I know that we are allowed to record phone calls. I do record some of my phone calls for my own use due to my disability and if anything is said then I am covered. I would only record audio in private area's of myself and the professional dealing with me. I know I could not get and other persons audio in it and I don't intend to. my only other option is to buy a body cam but I am not sure the rules regarding this.I never thought i would have to but things are getting worse Thanks for any guidance 
    • JustAnOldGal
      Studio returns problems.

      By JustAnOldGal · Posted

      Thanks for that. I will give them till Tuesday. Thanks for your help, very much appreciated. 
    • northmonk
      NPE ANPR PCN - No Permit - Locton Estate, London, E3 2LP

      By northmonk · Posted

      Ok thanks for that, well spotted and all duly noted. Yes they did eventually submit those docs to me after a second letter advising them I was contacting the ICO to make a formal complaint for failing to comply with an earlier SAR that they brushed off as an "administrative error" or something. When I sent the letter telling them I was in contact with the information commissioner to lodge the complaint, the original PCN etc quickly followed along with their excuse!

  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.

      BankFodder posted a topic in Vehicle retailers and manufacturers,

      If you are buying a used car – you need to read this survival guide.
      • 1 reply
      BankFodder

      Picked By

      BankFodder,

    • Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld

      ATJ posted a topic in Vehicle retailers and manufacturers,

      Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
      BankFodder

      Picked By

      BankFodder,

    • A2Dominion - Housing Association property flooding - damning ombudsman report

      WanTToMoveOn posted a topic in Residential and Commercial lettings/Freehold issues,

      Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
      WanTToMoveOn

      Picked By

      WanTToMoveOn,

    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
      BankFodder

      Picked By

      BankFodder,
    View All

  • Recommended Topics

Twitter X - Include the @company's twitter name in your post title – here's why…
The UK Stands With Ukraine - 'Slava Ukraini'
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Hadituptohere Oh V Capital One ***WON***

Hadituptohere

By Hadituptohere
in Capital One

 Share
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5643 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hadituptohere

Hadituptohere

Posted
Posted

Hi Guys

 

Whilst waiting for my other responce's to my SAR's ive decided to help my OH with her claim against Cap One for unlawful charges, we've had a responce to her SAR but only recieved statements and not copies of CCA etc, so letter going out today reminding them of what we asked for.

Looking at the statements theres around 400.00 in charges applied to this account, im about to use the spredsheet to calculate the interest but unsure as to what APR to put in after looking at STEVEN4064's claim against Goldfish, looking at the OH's statement's the interest on there is 26.230% going back to Feb 08,

Any ideas or advise thanks

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

Link to post
Share on other sites
Dibsthefrenchie

Dibsthefrenchie

Posted
Posted

I have just sent a claim to Capital One and also struggled to find the correct APR, difficult without an agreement! The APR on mine worked out at 26.48% on charges of just over £700, the total interest claim seemed quite large, but it goes back to 2001.

Don't know if i'm coming or going!

Link to post
Share on other sites
Hadituptohere

Hadituptohere

Posted
  • Author
Posted

my OH card started back in 2001 too but the 26.230% only goes as far back as Feb 08, so I take it you have claimed the 26.48% right back to 2001?

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

Link to post
Share on other sites
Dibsthefrenchie

Dibsthefrenchie

Posted
Posted

I have claimed 26.48% back to 2001. I intended to go down the route of no CCA, the account has been sold to Capquest, who are not the easiest people to deal with, but they kindly provided statements and t&c's which are dated 2004, so have decided to go for the charges instead.

I am told that the 2004 t&c's are relevant to my account from 2001, not convinced on that, but looking at the interest rates given:-

Credit Limit £ Purchases

200 39%

500 31.2%

700 29.8%

1000 28.8%

1500 28.0%

2000 27.6%

 

the interest claimed is an average and lower than the actual starting rate in 2001.

 

Have you seen Steven's interest tutorial in The Bank Templates Library, he gives two interest calculators for credit cards,I used the simple spreadsheet, but there is an advanced spreadsheet.

Don't know if i'm coming or going!

Link to post
Share on other sites
Hadituptohere

Hadituptohere

Posted
  • Author
Posted (edited)

I have used stevens spreadsheet but you still need to input the correct APR, I think the APR on the current statement should suffice for my notice to Reclaim Charges.

My OH's credit limit was only 600.00 and after inputing the APR at the recent rate shown works out at just over 800.00 so definatley worth doing

Thanks

 

Hadituptohere

Edited by Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

Link to post
Share on other sites
Bigad123

Bigad123

Posted
Posted

Hi there,

 

Although still very new to all this I have had some advice on my thread re this matter.

 

The advice I received was that there are two schools of thought on the interest situation you are debating.

 

It was suggested to me to use the agreed 8% on your initial correspondance and when you have to file at court you use the % you were charged (may be called compunded !!)

 

I am early in my process vs Cap 1 credit cards and they seem to offer the difference between the £12 and your charges first.

 

Sorry I could not be more of an authority but trying to share what I have been advised..

Link to post
Share on other sites
steven4064

steven4064

Posted
Posted

INterest calculations are always estimates at best. So long as it looks reasonable it should be OK IMHO.

 

Cap1 may be difficult but our experience is that they give in as soon as court is mentioned.

 

 

Link to post
Share on other sites
  • 3 weeks later...
Hadituptohere

Hadituptohere

Posted
  • Author
Posted

Hi guys quick update, sent request for repayment charges on the 5/08/08...had no reply, sent LBA 19/08/08 but just recieved in the post today dated the 13/08/08 an offer to reduce the default sums to 12.00 each.

responce to settlement offer sent today rejecting offer.

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

Link to post
Share on other sites
Hadituptohere

Hadituptohere

Posted
  • Author
Posted

Hi guys recieved this today from Cap One

 

CCF28082008_00000.jpg

 

 

 

 

Guess its there usuall responce????

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

Link to post
Share on other sites
Hadituptohere

Hadituptohere

Posted
  • Author
Posted

Guess its time for the N1?

 

as im claiming compound interest is there a certain POC to use?

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

Link to post
Share on other sites
ukaviator

ukaviator

Posted
Posted

I used this one here, modify to suit:

 

 

Claimant has a Credit Card account xxxxxxxxxxxxxx with the Defendant opened on xx/xx/xxxx,conducted on their standard terms and conditions.Claimant is claiming the return of £xxx.xx taken by the Defendant in the form of overlimit and late payment charges. The Defendant's charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law.They are also invalid under the Unfair Contracts Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999.Para.8 and sch.2.1.e.In the event that the charges are not a penalty they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. Defendant has declined justification of charges despite repeated requests.The claimant claims interest from xx/xx/xxxx to xx/xx/xxxx of £xxx.xx at the Contractual Compounded rate of xx.x%. Total of £xxx.xx.

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

Link to post
Share on other sites
Hadituptohere

Hadituptohere

Posted
  • Author
Posted

Thanks UK, Ive borrowed steven's and ammended to suit but theres a section from the terms and conditions in use that are obviously Goldfishes terms, Cap One didnt send me any terms and conditions or a copy of the CCA so dont think Goldfish's will do, anyone any ideas?

Also do you have to include the brief poc within the same document or seperate?

 

hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

Link to post
Share on other sites
ukaviator

ukaviator

Posted
Posted

The POC i posted earlier is one i used about 18 months ago, and worked fine for me. However since then, a new POC has been written and is here:

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-1191734.html

 

I would use this for your POC. . Don't forget to attach your schedule of charges to the N1.

  • Haha 1

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

Link to post
Share on other sites
  • 1 month later...
Hadituptohere

Hadituptohere

Posted
  • Author
Posted

Papers handed to the court today, only 65.00 cost (what a bargain) lol.

 

Hadituptohere :D

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

Link to post
Share on other sites
Hadituptohere

Hadituptohere

Posted
  • Author
Posted

Recieved papers from the court today, deemed as served on the 05/10/2008, cap one has till 20/10/2008 to reply

Cant wait....

 

Hadituptohere;)

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

Link to post
Share on other sites
  • 2 weeks later...
Hadituptohere

Hadituptohere

Posted
  • Author
Posted

Notice that Acknowledgement of Service Has Been Filed recieved today, Cap one intend to defend all the claim.

 

Is there anything I should be doing..?

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

Link to post
Share on other sites
  • 2 weeks later...
Hadituptohere

Hadituptohere

Posted
  • Author
Posted (edited)

Well its kind of good news as my OH has had an offer from cap one its somewhere near so were considering it but theres a few questions I have about there offer, heres it is

 

capitaloneoffer1.jpg

 

 

 

caponeoffer2.jpg

 

 

 

Firstly are ms Renshaws figures right??

and secondly my OH's card isnt 80.00 over her limit which makes me question this offer, I understand that is our decision as to accept or not.

Nearly forgot, the amont claimed was 879.27 with 65.00 fees

Thanks Guys

 

Hadituptohere

Edited by Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

Link to post
Share on other sites
Hadituptohere

Hadituptohere

Posted
  • Author
Posted

Sent a letter asking cap one to check the balance of the card, to prove the 70-80.00 overlimit amount and produce a statement otherwise we expect the full payment, aslo pointed out to them that unless we recieve the payment in full there will be no contact with the court informing them we have settled. Hope ive done the right thing??????

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

Link to post
Share on other sites
  • 2 weeks later...
Hadituptohere

Hadituptohere

Posted
  • Author
Posted (edited)

Recieved from the court today a notice that a defence has been filled and a AQ that has to be returned by the 17th Nov, weve banked the check and its just cleared today, but havent had a responce to our letter dated the 23rd Oct recieved by them on the 28th Oct regarding the dispute of the balance and their check being 70.00 short of their offer, what would you advise??

thanks

 

Hadituptohere

Edited by Hadituptohere
poor spelling

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

Link to post
Share on other sites
Hadituptohere

Hadituptohere

Posted
  • Author
Posted

Hi tof

 

I'd have been happy to sit back and bite the bullet as you say if we'd have recieved the amount offered and not allowing cap1's underhand way of reducing settlement fiqures, if you work it out the 70.00 shortfall of their offer is approx three and a half unlawfull charges and thats what has brought us to this point in the first place. The intial claim was for 1044.45 so I think settling for 799.71 is biting the bullet.

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

Link to post
Share on other sites
Hadituptohere

Hadituptohere

Posted
  • Author
Posted

Could do with some advise as the AQ has to be back by the 17th Nov, thanks guys

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

Link to post
Share on other sites
steven4064

steven4064

Posted
Posted
http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html but don't use the draft orders for directionsa from that thread use http://www.consumeractiongroup.co.uk/forum/bank-templates-library/147609-draft-order-directions-including.html
  • Haha 1

 

 

Link to post
Share on other sites
Hadituptohere

Hadituptohere

Posted
  • Author
Posted

Thankyou once again steven

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

Link to post
Share on other sites
 Share
Go to topic listing

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


Follow: @real_CAG

Navigation Links

Welcome
CAG Community Centre
CAG Library
Banks & Credit
Other financial Institutions
Retail
Non-Retail
Work & Social
PayDay and Short term Loans
Debt
Motoring
Legal

Latest

Our Picks


Help and Support

CAG Library
Questions about This Site
Change your notification sound
Change your profile picture - FREE!


Useful LInks

County Court Forms
MoneyClaim Online
CPR - Pre-Action Protocols
Civil Procedure Rules
UK Legislation
Youth Consumer Service

Reclaim the right Ltd

registered in the UK
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS

The Consumer Action Group

The National Consumer Service
×
×
  • Create New...