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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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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).
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Me v's Capital One :o)


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just an update on my posts from sending 2 letters to crap 1.one to their legal dept. and the other to crap 1 in general.details of the letter can be seen in previous threads.and by the way ,as for that rude lady from crap 1 telling you she has never heard of robert udy,he must be a ghost then ,as the letter of reply i received today,is from him.

 

 

dear -------

 

thank you for writing to us again about the calls you have received.

 

It,s going to take a while to look into your situation and come back with a detailed response.We,ll do everything we can to get an answer to you within four weeks of this letter.

 

 

If for some reason our investigations take longer than four weeks,we,ll contact you to tell you why this is.

 

Thank you very much for being patient while we collect the information we need.

 

Yours sincerely

 

robert udy

executive office manager.

 

thanks again to stonelaughter with his help in writing the previous letter,s ,as i will not hesitate to carry out reporting them for harassment if i receive any more calls(which i have not ,since sending the reply letter to the retired mr lee powell.thanks for that information whistleblowing fairy)

c j donaldson,if they do contact you again by telephone,report them to the appropriate authorities.the more of us who do this ,the better,as they are nothing but bullies

 

maggie

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I am sorry for asking this - I know the info msut be about but my head is away with all the stress of bl**dy Captial One today!

 

I have read the FAQ and was about to send the letter before action from the templates for credit cards - after rereading the stuff I realsie I should send the letter requesting the charges be refunded. The one in te template libraries are for banks and refer to accounts. Is it ok to keep the working of accounts in this for a credit card?

 

Sorry for probably posting soemthing obvious I jsut want to make sure I get this right!!

 

Many Thanks :)

 

What I would do is just pop in replacement words where appropriate...

 

"...charges in relation to late payments and so on..." etc etc etc. However, referring to a credit card as "an account" is fine - just make the letter read sensibly for credit cards.

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Robert Udy isn't a ghost, he's a manager of the department that has nothing to do with chasing payments, but still he's a pretty important manager, so I'm shocked that someone said they didn't know him! as far as senior managers go, he's quite nice.

 

As for that phone call you received, and i work for crap.1, that's appalling!!!!!!

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UPDATE=

about to post my DPA letter this morning to crap 1,had the shock of my life opening post this morning.They have refunded £200.00 into my account,as a gesture of goodwill,and i haven,t even asked for anything back yet.!!!!!!!

this is a consequence of the 2 letters i sent to crap 1 ,advising them of their intent to commit a criminal offence,if they continued calling me.(see previous threads.)

I am still going to send DPA letter this morning,as they have only paid me back,£8.00 of each charge,as they state,in line with the OFT report on fees.

Thank you very much Stonelaughter for your help in composing my letters to them.You really helped me a lot.

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having read thru letter today properly,they have offered to refund me £200.00,IF i sign acceptance form ,and return it.

Should i send letter asking for full amount,even though i haven,t even sent my DPA requst yet.will wait for someone,s reply to this,before i do.

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just posted DPA request by recorded delivery.will reply to their letter of offer of money(maybe it,s some form of bribe,not to inform oft,as i have letter saying they are prepared to commit a crime by continuing to call me?)will keep you posted.

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When you receive unpleasant calls from these people just imagine they are snivelling little clerks hunched over a ledger with a broken quill, dripping ink all over their lunch, peering through little piggy spectacles perched on their hooked little noses with dewdrops on the end. Picture them as snidey weasels with absolutely no authority over you and no right to presume to speak to you at all, never mind in an offhand way. Keep a referee's whistle by the phone and blow it very loudly into the mouthpiece after a suitably irritating pause of ten seconds or so.

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Sorry, forgot to put 'allegedly'.

 

Also, you shouldn't really blow loud whistles down phones at people in case you deafen them and they try to sue you or have you put in prison. Even if you pretend there was no whistle and it must have been a fault on the phone line, deny you were ever in the house at the time and tell them someone else must have answered the phone but you don't know who it was and took the precaution of not speaking at all when answering the phone in case the call was being recorded and they analyse your voice pattern to prove it was you.

 

Or something....

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Another day another phone call!

 

Well to my disbelief...the phone rings - can I speak to ...

 

I asked who it was -Capital one came the cheery reply, and I was asked to go through my security details...I said one moment please. Took several deep breaths to compse myself then...

 

Informed the lady that I had written to them explaining that if I receied any further phone calls I would be calling police to let them know of the harrasment and law breaking..

 

A rather nervous reply came of erm, yes I am jsut looking through your account and I can see the youe phone numbers have been removed and an email has been sent to the various departments and erm I am sorry...*phone hung up by capital one'

 

still waiting a reply for my letter I posted earlier in the week..actually I will post it below for your info :)

 

Dear Mr Udy

 

I am writing regarding the previous complaint I made to you about the phone calls I was receiving.

 

You replied to me on 13th April 2006 stating that you would remove both my mobile and home telephone number from your systems and any further correspondence would be in writing.

 

At 17.08 today I received a call from Lea in your collections department insisting that I made a payment of £250 right now. I explained that I was not meant to be receiving any calls from Capital One, and that any issues or requests should be put in writing to me. She carried on the conversation ignoring this request. I went and got your letter and read out the statement to her, she said she had never heard of you.

 

The conversation went on with me continuing to tell her that I did not want to have any further conversation regarding this on the phone, she kept insisting I carried it on. I explained that I had missed a payment 2 months ago – but made the recent payment of £50 in June and another one would be made as per the agreement in July. I had recently received a letter from the department stating I was over the limit (I know this) and saying I needed to make a payment of £0 now. I took this letter to mean I had to make the normal £50 payments I have been making and nothing further. Lea choose to disagree with this saying if I did not make the £250 payment now I would be in default of my agreement etc. I said I was terminating the call, and that I was not agreeing to anything over the phone and she would need to send any information out to me in writing.

 

I am shocked and appalled that you have lied to me about the matter of my phone number. You clearly stated that they had both been removed, and this was simply not true. Because of the way I have been treated today by Lea, I have no choice but to lodge a complaint to the Information Commissioners Office.

 

If I receive any further calls from Capital One it will result in me calling the Police and reporting you for Harassment under the Administration of Justice Act s.40.

 

I was not informed at any point in either writing or by phone that the agreement that I received from Greg Pye on 14th April (Ref:XXXXX) stating that no further charges would be applied to the account was now not still standing. Another £80 in charges has been applied since this date. This makes it a pointless exercise me paying £50 a month off the balance, and makes me start to question even more the practices of your organisation. Please see attached letter dealing with the matter of charges on my account.

 

 

 

So it will be interesting to see there next move - have also sent them asking for my charges refunded :D

 

Actually feel empowered by it all now instead of afraid and frustrated!

CAPITAL ONE Amount owed £480+ interest £52.95

Prelim 10th July 06

Reply with £12 difference offer of £168 27 July 06 Replied 9th Aug 06

Another reply from them 25th Aug 06 LBA sent 9 Sept 06

Reply of last offer for £168 received 28th Sept

Finally filed court papers 4 July 2007

 

NATIONWIDE Amount owed £507 + interest £27.98 WON :D

Prelim sent 9 Sept 06 LBA sent 9th Oct 06 Court papers filed 20 Oct 06 Won 15 Nov 06

 

BANK OF SCOTLAND Amount owed £275 SETTLED IN FULL

Prelim sent 14 Oct 06 Offered half refund 28th Oct 06

Sent letter refusing part payemnt 31 Oct 06

Full refund sent in a cheque from BOS on 3rd Nov 06

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Fantastic mate.... well done. LOL I wish I'd been there to see that lady's face go grey when she read your file... And if your numbers have been removed and you've written to complain about that not being the case already... HOW DID SHE HAVE YOUR NUMBER?!

 

I really really hope you call the police and Information Commissioners Office - I REALLY do. **BEAM**

 

Oh, and never forget, THEY called YOU. You have absolutely NO IDEA if this IS actually Capital One and therefore you will not discuss your privately held security details. **ANYONE** could call you and say "This is Capital One". *I* could. So - hard-nosed, no security details.

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lol.. I know!! I didn't get the chance to ask how she was ringing me if my numbers had been removed.

 

Going to wait on their reply - I have a (probably unjustified) feeling that by sending that letter with my request for charges refund both to Mr Udy at the same time I might have a good chance of getting them easier.

 

Have also decided to really go for it - I have been doing major burying head in sand with old credit and store cards whcih are being dealt with by payplan - going to now start on all 8 or so of these - it is scary as it means I ahve to actually look at all the stuff but think by getting the charges back I could near pay off most of them :D

 

Cheers for the support once again!!

CAPITAL ONE Amount owed £480+ interest £52.95

Prelim 10th July 06

Reply with £12 difference offer of £168 27 July 06 Replied 9th Aug 06

Another reply from them 25th Aug 06 LBA sent 9 Sept 06

Reply of last offer for £168 received 28th Sept

Finally filed court papers 4 July 2007

 

NATIONWIDE Amount owed £507 + interest £27.98 WON :D

Prelim sent 9 Sept 06 LBA sent 9th Oct 06 Court papers filed 20 Oct 06 Won 15 Nov 06

 

BANK OF SCOTLAND Amount owed £275 SETTLED IN FULL

Prelim sent 14 Oct 06 Offered half refund 28th Oct 06

Sent letter refusing part payemnt 31 Oct 06

Full refund sent in a cheque from BOS on 3rd Nov 06

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OMG!!

 

Phone jstu went ..

 

Can I speak to Joanna please?

 

me: Who is speaking please

 

Its Lea

 

me: from where?

 

From Loxley house

 

me:What is it about

 

A personal matter, is she there please?

 

me:yes you are speaking to her,

 

this is capital one

 

me: I would advise you that I have written to capital one regarding the harasment and I will be phoning the police if you continue with this call

 

we are not harrasing you, and if you do not go through our securtiy questions you will get more phone calls

 

me:do you want to continue with this call as I will be phoning the police after it if you do

 

they hang up

 

I am totally shocked and appauled :-/

CAPITAL ONE Amount owed £480+ interest £52.95

Prelim 10th July 06

Reply with £12 difference offer of £168 27 July 06 Replied 9th Aug 06

Another reply from them 25th Aug 06 LBA sent 9 Sept 06

Reply of last offer for £168 received 28th Sept

Finally filed court papers 4 July 2007

 

NATIONWIDE Amount owed £507 + interest £27.98 WON :D

Prelim sent 9 Sept 06 LBA sent 9th Oct 06 Court papers filed 20 Oct 06 Won 15 Nov 06

 

BANK OF SCOTLAND Amount owed £275 SETTLED IN FULL

Prelim sent 14 Oct 06 Offered half refund 28th Oct 06

Sent letter refusing part payemnt 31 Oct 06

Full refund sent in a cheque from BOS on 3rd Nov 06

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Flippin unbelievable. But - you came good!! Well done. Next time they call, let them say what they like; you've warned them now (however don't allow them to take you through security because they couild be anyone). Then actually carry through your threat and call both the Police and Trading Standards. The police will likely do nothing; they will claim it's not a matter for them. However TS will be VERY interested I think... and you can press the police by quoting the Administration of Justice Act s.40, and the other acts too - tell them that Capital One are committing criminal offences and that you want to make a formal complaint... ANYTHING to get the Police to take a statement. If they take a statement, you get a crime number... etc etc etc.

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The police do act, I believe. A colleague of mine relayed a story that his wife was continually being verbally abused and harrassed by a manager. She raised a grievance but her employers did nowt so she called the police and they came and arrested the perpetrator in the workplace :lol:

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The police do act, I believe. A colleague of mine relayed a story that his wife was continually being verbally abused and harrassed by a manager. She raised a grievance but her employers did nowt so she called the police and they came and arrested the perpetrator in the workplace :lol:

 

Well, fair enough - but I doubt that's QUITE the same as being harrassed by a major financial corporation with global offices and unlimited budgets.

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And it continues once again...

 

Just had a call from a lady from Capital One, who originally dealt with my letter about the call complaints. She apologiesed about the further calls, said she had dealt with removing my numbers at that stage and had done so. But...

 

Because they have an auto-dialler system if no number is on the screen and you have ever called them it find it out from that (strange but posssibly true)

 

I expressed to her how upset I was about the further 3 calls I ahve receuved and she was actually very nice and sorry and is going to sort it. She said that she would be overriding the system to make sure that no further calls were received.

 

She did warn me this would take a day or so.

 

I told her how ride the other people have been to me and she did apologise again.

 

10 mins after her call - guess who.....?

 

Yep someone else from Captial one with there not so friednly happy tone as the lady I had spokent o demanding I go through security. I explained that I had jsut come off the pohne to the lady giving her name and that I would not be going through security as I was no longer be geting calls. She said that if I didn't go through the security today I would get another call tomorrow as there was nothing on the screen about it. I said no I wouldn't and hung up.

 

Well one positive experience of someone in capital one crushed by another intimidating rude person :(

 

I ahve decided if anyone else rings now I am going to ask for the person I spoke to and only speak to her and ask why I have got another call.

CAPITAL ONE Amount owed £480+ interest £52.95

Prelim 10th July 06

Reply with £12 difference offer of £168 27 July 06 Replied 9th Aug 06

Another reply from them 25th Aug 06 LBA sent 9 Sept 06

Reply of last offer for £168 received 28th Sept

Finally filed court papers 4 July 2007

 

NATIONWIDE Amount owed £507 + interest £27.98 WON :D

Prelim sent 9 Sept 06 LBA sent 9th Oct 06 Court papers filed 20 Oct 06 Won 15 Nov 06

 

BANK OF SCOTLAND Amount owed £275 SETTLED IN FULL

Prelim sent 14 Oct 06 Offered half refund 28th Oct 06

Sent letter refusing part payemnt 31 Oct 06

Full refund sent in a cheque from BOS on 3rd Nov 06

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And it continues once again...

 

 

Have you read this, particularly para 45?

 

http://www.consumeractiongroup.co.uk/forum/general/14977-reporting-harassment.html?highlight=harrassment

 

I think you have been more than lenient with Cap1. I think you should not discuss it with them any more, simply take action.

 

Elsinore

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Ask them for the 96 digit PIN you gave them when you last spoke to them. Then, I know it's old but I love it, just say 'could you hold on a minute please', put the phone down and go and have a cup of tea, your dinner or eight hours' sleep.

 

Best of all, get a caller id thingy and never answer the phone to a withheld or unknown number.

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BT offer a very good service called 'choose to refuse' it cost about £4 a month and works like this.

 

You get a phonecall from someone you don't want ringing you, either answer the call or ignore it if you have caller id, then you simply key in a few digits and the caller will never get through to you again! It doesn't matter if the number is witheld it will still be barred.

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Well after theharrasment thread I started and said I had written to them asking for £300 odd back in charges got a reply today.

 

The ususal one saying they will refund the difference for the £12. So are offering me £168 back I have ot sign the letter attached which is a settlement form stating my acceptance and closure of the complaint.

 

Now I know I should carry on - but am tempted to take it :-/

 

Need some willing on to carry this on please!!!

CAPITAL ONE Amount owed £480+ interest £52.95

Prelim 10th July 06

Reply with £12 difference offer of £168 27 July 06 Replied 9th Aug 06

Another reply from them 25th Aug 06 LBA sent 9 Sept 06

Reply of last offer for £168 received 28th Sept

Finally filed court papers 4 July 2007

 

NATIONWIDE Amount owed £507 + interest £27.98 WON :D

Prelim sent 9 Sept 06 LBA sent 9th Oct 06 Court papers filed 20 Oct 06 Won 15 Nov 06

 

BANK OF SCOTLAND Amount owed £275 SETTLED IN FULL

Prelim sent 14 Oct 06 Offered half refund 28th Oct 06

Sent letter refusing part payemnt 31 Oct 06

Full refund sent in a cheque from BOS on 3rd Nov 06

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Since I ahve not sent my letter before action do I just send a letter as belown (taken form another thread) and nothing else, then if they reply not getting any more, then I send letter before action?

 

Cheers helpful people :D

CAPITAL ONE Amount owed £480+ interest £52.95

Prelim 10th July 06

Reply with £12 difference offer of £168 27 July 06 Replied 9th Aug 06

Another reply from them 25th Aug 06 LBA sent 9 Sept 06

Reply of last offer for £168 received 28th Sept

Finally filed court papers 4 July 2007

 

NATIONWIDE Amount owed £507 + interest £27.98 WON :D

Prelim sent 9 Sept 06 LBA sent 9th Oct 06 Court papers filed 20 Oct 06 Won 15 Nov 06

 

BANK OF SCOTLAND Amount owed £275 SETTLED IN FULL

Prelim sent 14 Oct 06 Offered half refund 28th Oct 06

Sent letter refusing part payemnt 31 Oct 06

Full refund sent in a cheque from BOS on 3rd Nov 06

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Share on other sites

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