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    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
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Davey77 vs Capital One *** WON ***


davey77
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Thanks! :) Almost there...

 

Hows this sound?

 

"Thank you for your email.

 

I can formally accept your offer of £674.01p on the basis that the following criteria are complying with in full, in that:

 

a. Any obligation to pay the remaining balance on the above account are discharged in full

 

b. Any references pertaining to this same account are cleared from all Credit Reference Files including late payment markers and comments.

 

Subject to these conditions being accepted in full your offer of £674.01p will be accepted and i will no longer pursue the matter now, or in the future.

 

Yours sincerely, me"

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Hello Davey77!

 

Ah, I hadn't realised there was a balance outstanding.

 

OK, in that case, I think the way ahead will be to push for them to pay you, but to include ending the issue once and for all because they do not have an Agreement worth squat.

 

They may dig their heels in, in which case this will probably need to roll on into Court. But if it does, then maybe ask the Judge when it does to declare the alleged Agreement unenforceable under s142.

 

Maybe tell Wendy that, and see if you can wrap this up Today on all counts, i.e. they Pay you and agree to end hostilities for ever.

 

Cheers,

BRW

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Yes thats the thing.. but it's a small amount so hopefully they will see sense knowing i am going to cause them problems in future! :) As you say, their agreement may not have stood in Court and they would lose more in costs anyway.

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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time is of the essence at the mo.. where are the legal bods? :) I can't think of anything else myself but don't want to leave it open to problems later certainly.

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Hello Davey77!

 

The main Legal Bods are off-line at the moment, so best suggsetion is to see what you can find on CAG that covers Full & Final Offers.

 

But your letter is probably OK, the key issues are you want an end to this, and you do not want any smelly bits left on your Credit Files.

 

Cheers,

BRW

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ah ok, thanks for that. Yes im not going to agree to getting £600 odd if in 3 months time they are after me again based on the same flawed agreement. That doesn't make sense so i'll stick to my guns.

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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lol Smelly bits lol Well, got to pop to the shop (while it's sunny) so will keep updating as things come in. Thanks for the help folks! :) Laters

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Hello Davey77!

 

ah ok, thanks for that. Yes im not going to agree to getting £600 odd if in 3 months time they are after me again based on the same flawed agreement. That doesn't make sense so i'll stick to my guns.

 

I think you must stick to your guns, because my guess is they'll not want to send you a Cheque otherwise.

 

Indeed, they were probably intending to deduct the Refund from the Balance, and then sell the Debt to a DCA, after they write off the remainder against Tax.

 

I'd maybe hold off sending anything until you get a good 2nd opinion on what to say.

 

I do now suspect they had no intention of getting their Cheque Book out, so the Offer was just more smoke and mirrors to get that removed from the main Debt to perhaps give them or a DCA a clearer run at you for the Balance.

 

Going back a bit, do you have the Default Notice, and was that valid?

 

If it wasn't, then all they can claim from you, assuming the alleged Account has been Terminated, is any Arrears that were fairly due before Termination.

 

If that is, say, £100, then that's the Total of what they can ask for. Maybe agree to knock any true Arrears off the Refund to show willing?

 

IOW, your little letter to Wendy Underpants should mention their problems with enjoying the benefits of s87, making it clear that they can forget about the Balance anyway, as it's lost forever (assuming the Default Notice is indeed invalid).

 

If you see what I'm getting at, you must get the next Letter tight and hard hitting if you want to end this and get a Cheque in time for Davey77's Christmas!

 

Cheers,

BRW

Edited by banker_rhymes_with
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Hello Davey77!

 

 

 

I think you must stick to your guns, because my guess is they'll not want to send you a Cheque otherwise. That would be totally unacceptable for sure!

 

Indeed, they were probably intending to deduct the Refund from the Balance, and then sell the Debt to a DCA, after they write off the remainder against Tax. Swines!

 

I'd maybe hold off sending anything until you get a good 2nd opinion on what to say.

 

I do now suspect they had no intention of getting their Cheque Book out, so the Offer was just more smoke and mirrors to get that removed from the main Debt to perhaps give them or a DCA a clearer run at you for the Balance. Yes not what i would want.. a dumb DCA to have to reply to next year.

 

Going back a bit, do you have the Default Notice, and was that valid? Yes i have and it was valid and correctly sent out.

 

If it wasn't, then all they can claim from you, assuming the alleged Account has been Terminated, is any Arrears that were fairly due before Termination.

 

If that is, say, £100, then that's the Total of what they can ask for. Maybe agree to knock any true Arrears off the Refund to show willing?

 

IOW, your little letter to Wendy Underpants should mention their problems with enjoying the benefits of s87, making it clear that they can forget about the Balance anyway, as it's lost forever (assuming the Default Notice is indeed invalid).

 

If you see what I'm getting at, you must get the next Letter tight and hard hitting if you want to end this and get a Cheque in time for Davey77's Christmas!

 

Yes i see what you mean. Afraid i already sent out the original and quickly written email back to Wendy StarrshipEnterprise in haste. Didn't want to leave it as time is the issue. No reply as of 14.15 today so i guess i will have to wait and see. Although will work on possible reply scenarios in the meantime.

Cheers,

BRW

 

Thanks for all the help! :)

Edited by davey77
spelling

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Hello Davey77!

 

Are you sure the Default Notice was OK? i.e. did they allow you the Statutory time based on Date of Service, was it set out in the Prescribed way, and were the Arrears stated accurately?

 

If you are seeking a Refund...then wouldn't that mean the Balance was not accurate, and in turn the Monthly Payments based on that Balance would be inaccurate?

 

If so the Arrears would be inaccurate making the Default Notice demand for Arrears inaccurate.

 

Either way, see what they come back with.

 

If they get hissy, then it's more likely that a Refund via Cheque was not actually on offer, they were probably thinking more along the refund to Balance plan, and sale to DCA etc.

 

Cheers,

BRW

Edited by banker_rhymes_with
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I am pretty sure the default was ok.. i 'll check but i beleive it was.

 

Just had this back from Miss Wendy:

 

Thank you for responding so promptly.

 

In response to your request:-

 

1. In addition to our offer of £674.01, I can advise that Capital One is prepared to offer a further £817.41. The sum of £1491.42 offered as the total settlement will clear your outstanding balance. The balance is therefore discharged in full.

 

2. I am unable to agree the removal of the default on your credit file. Capital One has a responsibility and obligation to accurately record your credit file with the credit reference agencies. You acknowledged you were in financial difficulty in November 2006 and that you would not be able to maintain the minimum monthly payments to your account. You then made nominal payments. As stated, we are under an obligation to accurately record your credit file and therefore recorded your credit file with late marks, until your account defaulted in July 2007. I cannot therefore agree to the removal of the default on your credit file as part of the settlement of this claim.

 

I should be grateful if you would confirm your acceptance to the above, in order that I may notify the Court accordingly.

 

Yours sincerely

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Im sure some will say that the default removal matters a lot but i have loads of them already! lol

 

What do you guys think about me responding with 'i wish the credit file to marked 'satisfied/settled' instead. I could live with that as i am going to have at the very least two more of those. Probably more as the months go on.

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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It does mean there fore they did intend to put the offer towards the account in question and not send me a cheque tho.. but swings and roundabouts as they say. I would own Cap1 anything would I?

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Yeah i know.. "clear my outstanding balance".. a balance i do not actually owe due to an improperly executed agreement but again i am trying to reach a resolution so looking at the best option for me at this time. (Sound like a laywer now!)

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Hello Davey77!

 

OK, that confirms they had no intention whatsoever of getting the Cheque Book out!

 

The paragraph about their mates at the CRAs was just Debt Industry brollacks.

 

She's letting herself get carried away again thinking they have an Enforceable Agreement.

 

If there is no binding Agreement, you owe them nothing. Likewise, you owed them nothing, so all late Payment markers and the Default should be removed, full stop.

 

Time to find that Default Notice I think!

 

If that is invalid, then you may yet turn the tables on them...adding Unlawful Rescission of Contract to the next Claim.

 

Likewise, if that is invalid, then you owe the Arrears only (that assumes they even have an Agreement).

 

If your Credit File is trashed, then they can't really trash it any more, so that issue is no real Threat against you.

 

I'd hold off responding until you've found that Default Notice.

 

Cheers,

BRW

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The default is ok.. just checked. My notes indicate they were no issues with it.

I don't want to cut my nose off to spite my face here. I've been battling for 2 yrs and this is the closest i have got to any good news.

 

Don't forget this has been struck out and i am not sure if she realises that yet.. it could alter things if i delay and it becomes known.

 

Am considering this as a reply:

 

"Thank you for your email.

 

After considering the matter further i can agree to Capital One's offer with a compromise that my credit file is marked settled due to my confidence in the said agreements flawed conception and therefore the inappropriateness of Capital One to mark my credit file in the first instance: No properly executed credit agreement = no permission to process data with the credit reference agencies as i see it.

 

But as a matter of expediency i am prepared to forego such details at this time will accept the offer stated if my credit files are marked accordingly (as no balance would be owed on accepting the offer anyway it would be a slightly more accurate statement.)

 

Yours sincerely,

me"

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Hello Davey77!

 

Fully understand.

 

The pressure is on, because if they have yet to twig that the Claim has been Struck Out, they may change their tune. So, striking while the Iron appears to be still hot is an option to consider very seriously. If that goes to plan, you can forget all about Capital One by the Weekend.

 

Flip side is they find out Tomorrow, and change their tune the moment they do.

 

Also, they could be reading this, and so know all too well the weakness of their position, and know they would rather not go to Court anyway. It would be Small Claims Track, they'd have Barrister's Fees to Pay regardless, they could well lose, they could well still end up Paying you £674.01, they may be forced to wipe the nasty Data off the CRAs, and then they may find you also want compensation for Defamation because of this adverse Data relating to a non-Agreement with zero Data Consent.

 

Indeed, if that Default Notice has any flaws, you could add even more problems for them, such as an additional Claim for Unlawful Rescission issues!

 

So, maybe fire off the email, but plan for the worst...i.e. how to best manage the possibility of re-starting the Claim, or how to combat a full-on Claim from them for the whole Balance.

 

Make sure you have a strategy to come back out fighting. If they have no idea about the Claim, they may back pedal anyway. But, if they think this has to be wrapped up fast, you could get a binding email accepting your terms before you have had your 2nd Cup of Tea Tomorrow!

 

Cheers,

BRW

Edited by banker_rhymes_with
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Well, should the worst case scenario happen and it goes back to square one then i won't back down either and will continue fighting (and costing them money) in the new year. I've come this far and i can go further if i have to!

 

Won't get anything further tonight i suspect but i will contact the Court tomorrow regardless to find out what my options are for reinstating the Claim should that become needed.

 

Looking forward to my second cup of freshly ground coffee beans (tea!?) tomorrow! Thanks for the help! D

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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The penny could also finally ahve dropped re the financial situation you are in. If they add barristers costs to those as well the only people who are going to end up paying them is Capital 1 :D

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The penny could also finally ahve dropped re the financial situation you are in. If they add barristers costs to those as well the only people who are going to end up paying them is Capital 1 :D

 

They better drop their pennies.. otherwise i am going to toss my cookies all over them! :cool:

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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"Thank you for your email of yesterday evening.

 

I can confirm that the balance outstanding on your account will be refunded in the sum of £1491.42, and that your credit file will be amended to record a zero balance, and that it is satisfied.

 

On the basis of the above, I will also now contact the Court to confirm settlement of the claim in full and that the hearing scheduled for Monday 8 December may be vacated. I would be grateful however if you would also telephone the Court to confirm that the claim is settled.

 

If you have any further queries in relation to this claim, please do not hesitate to contact me.

 

Yours sincerely

 

Wendy Starr

Legal Specialist

Capital One Bank (Europe) plc"

 

"Dear Madam,

 

I formally accept your offer to clear the outstanding balance on card number **** **** **** **** with an obligation to pay discharged in full and to place Settled/Satisfied on my file with the Credit Reference Agencies.

 

Please copy the details of which for my records and send to my postal address at the earliest opportunity.

 

Yours sincerely, me"

 

Ok.. now what?! She rings the Court in a minute to find out it's been vacated already and... revokes the offer or calls it a day. I immediately replied accepting the offer so.. guess we wait and see!!!???

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Hello Davey77!

 

Ok.. now what?! She rings the Court in a minute to find out it's been vacated already and... revokes the offer or calls it a day. I immediately replied accepting the offer so.. guess we wait and see!!!???

 

I think you are in a stronger position than you think.

 

If they kick up, just front up to them and say it's a simple Court mix-up, and the Claim will be going ahead, see you in Court when you'll be after a real Refund via Cheque, and it'll be for more than the original Claim now you can see they have no Enforceable Agreement.

 

Cheers,

BRW

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Already prepared an email to that effect stating i will reinstate the Claim or start a new one from scratch should the reply (if i get one) be difficult. Surely it's sense to look at profit margins and quit while they are ahead?! But you never know. They obviously wouldn't have caved in if they truly felt they had a genuinely strong case.

 

Thanks for that though.. I'm sure today will be a conclusion eventually.

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Hello Davey77!

 

I think if you look at this from their position, they are not in a strong position at all.

 

1. They have no Agreement apart from a Copy of an Application Form with no Prescribed Terms, and a wishful Witness Statement trying to big that up into something it isn't.

 

2. You are not a vexatious litigant, so the Court is highly unlikely to award any Costs against you even if you lost. Their Threats about a Barrister were just hot air to undermine your confidence.

 

3. It should go Small Claims Track in any event, where Costs are intended to remain low.

 

4. They know they are holding their argument together with rubber bands, bits of string and faith.

 

5. They'll have to Pay for someone to attend Court, plus all of the Travel costs to get down to sunny Devon. That alone could cost them the thick end of 1k, and they would not get that back from you.

 

6. They know they'll probably not get anything back from you anyway, as you've made that clear I think.

 

7. Your Claim is valid so, if they lost, and the Court also elected to declare their so called Agreement unenforceable via s142, they'd be looking at Paying you at least the £700 odd that you are claiming, plus anything else you can add, Unlawful Rescission etc, a Claim for a Refund of Interest you should never have needed to Pay etc.

 

Thus, to fight this one, Capital One are staring at Costs that will exceed 1k I'd think, and to that they may need to add a true Refund for what you are claiming.

 

If they Won, they'd get nothing, and would have to Pay out maybe 1k in Costs to see you off.

 

If they Lost, they'd still get nothing, and would have to Pay out maybe 1k in Costs just to enjoy losing, and would then have to Pay you £700++.

 

They Win = 1k in Costs = -£1,000.00

 

They Lose = 1k in Costs + £700 Payment = -£1,700.00

 

So, it's a no Win situation for them whatever happens if it does go to Court. Whereas getting you to accept the virtual Offer on the table is actually a Win-Win situation for them.

 

This is because they get to avoid any Court Costs, and can close the books on you and they can Write Off the Balance against Tax.

 

What I'm saying is...if they get silly, then they are just being silly. They know they don't want to go to Court, so my guess is they won't say a word, and you'll get a Letter saying it is all sorted, have a nice day.

 

So, if they come back to pull out of the Offer, then give them no mercy after that. Go for a proper Refund via Court and in the form of a Cheque not a virtual Refund that suits them.

 

Cheers,

BRW

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