Capital One - Court Stage Help

[animal_lover]

I'm currently at the court stage for my Capital One credit card.

 

Cap One have already refunded part of my charges and some of the contractual Interest and the standard 8% Interest. But refuse to give me the rest of the interest that is in my claim. they also say that i'm not owed the amount of charges i put in my claim either even though i have kept copies of every statement since my account was opened to prove otherwise.

 

I have put links to the letters below and really need some advise on what to do next.

 

http://i157.photobucket.com/albums/t50/jensenjaredaholic/Documents-4.jpg

 

http://i157.photobucket.com/albums/t50/jensenjaredaholic/Documents001.jpg

 

http://i157.photobucket.com/albums/t50/jensenjaredaholic/Documents002-1.jpg

 

http://i157.photobucket.com/albums/t50/jensenjaredaholic/Documents003-2.jpg

Thanks

 

AL

Edited August 15, 2009 by animal_lover

[HomerJSimpson]

I'd remove the barcodes from those letters if I were you

[HomerJSimpson]

If you have claimed for removal of adverse credit information as part of your POC then I think Miss Ellie will have to remove it - whether she likes it or not. Don't accept their offer and the ball is back in their court.

[crippla2k]

im in exactly the same position, ive filed a court claim against them, theyve offered most of the money but not offered to remove the default yet, when i looked through the old threads, crap one normally cave in before it goes to court!! so best bet is to get the n1 in!! (Literally as soon as I submitted it i had a letter through offering most of the cash back) but im fighting to have the default removed so have to play hard ball!!

[animal_lover]

I'm already past the N1 stage, I received the Allocation Questionaire yesturday and it has to be back in by the 28th August. Due you think it is worth defending still i am still owed another £300 or the charges which they are disputing aside from the Interest, plus the interest contractual interest and 8% interest i'm still owed. they have agreed to refuns some of it and have already taken it off my balance.

 

Any advice is appreciated as this is my dad's account i'm just doing it on his behalf.

 

Thanks

 

AL

[crippla2k]

I filed my AQ on Monday with the draft order of directions that were in the templates library

 

From what everyone says, even if you file the AQ you still have probably about a month before it goes to court, and capital one normally cave in just before it gets to court,

 

i seem to be a few days ahead of you, so i'll keep you updated as to how i progress,

 

think one of the mods will be better placed to advise you though!!!