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    • Is the letter headed Letter of Claim/before Claim or similar? If not, it sounds like more of the threatogram chain. If you're not sure, post up an anonymised copy of the letter and we'll check. HB
    • So guess what, we have received a final demand letter for £100. It states if payment is not made by 11/06 they will have no option but to forward the case to their litigation dept with a view to commence County Court Proceedings. So just wondering if anyone has any advice. Do we ignore this? or do we need to take action? Thanks 
    • hi dx, thanks for helping just re-reading everything this morning and I must have missed this one from uncle in his thread "What you should not do, is not contact the Banks and simply default on payments. "  are you in disagreement with this based on your last sentence?
    • Thanks for the reply and clarification, that might just explain why in my case contact has pretty much ceased. Though with such companies it doesn't mean they won't ever threaten to return to court as a tool to force one's hand if they feel they are not self informed on their chances etc.  But concerning how last year they tried to use the CCJ to get a charging order and the court granted an intirum order on our mortgage using the CCJ that would have been a good 2-3 months beyond the 6 years, should the court not have checked the age of the CCJ in the first case or would they always grant an interim order simply off the back of a CCJ being produced without even checking the age of it?.  Had I not defended that action at the time they may well have got a default using a CCJ older than 6 years which could be a concern going forwards. At the time when I contacted the court to question the paperwork for a final order application the clerk suggested people don't get informed when companies apply for interim charging orders, they are automatic if a claimant has a CCJ and people only get contacted once a date for a final order application goes through. kind of begs the question if such companies can continue a seemingly backdoor method to attempt default action if un-defended if the initial application doesn't need to check the age of a CCJ?.
    • Hello!  Wondering if someone can help with this.  I suspect not but worth a go.  I appreciate the "contract is with the seller" line, which is what Evri has fed me but wanted to see if someone with experience in these things could suggest anything else I could do here.  I appreciate there are many topics about lost parcels - My parcels weren't lost, until the driver walked up to my door with them and then decided to make them lost/stolen... I'll summarise what has happened.  Wednesday of last week - Evri delivery driver stole / walked off with 3 of my parcels.  -  Arrived outside my properly, took photos (3 separate photos as its 3 separate deliveries) of the tops of the parcels (pointlessly zoomed in on just the labels, couldn't see anything else, other than a small piece of the pavement and a little weed, which doubly confirms it was outside my door as I can see the same plant), marked the order as delivered and walked off with them.  He's marked on the Evri GPS marked that he was outside.   -  3 different deliveries, from the same company (same boxes etc.), but 3 separate tracking numbers. -  Went through the Evri bot which opened a case on each tracking number.  I then phoned them and left a voicemail explaining what had happened. -  24 hours later had a canned response asking me if the packages had turned up and to check around etc..  I responded explaining again what happened and that they've definitely been taken. -  4 days later,  this morning, I get a response telling me to ask the merchant to refund me. I've responded to this message with a long email, repeating what I said, that I believe the driver has stolen these packages and that he took those suspicious top down shots of the packages, marked them as delivered without ringing or knocking etc.  I've said that I expect them to investigate further, but I gather they won't. In my several messages to them initially and later, I told them I don't care about a refund and wanted the parcels.  They contain some sentimental stuff, nothing of high monetary value, hence me going to this trouble.  I only paid £25 for the contents. I did contact the merchant when this first happened and they asked me to wait a few days.  They ended up refunding me despite me asking them not to and that I wanted them to escalate it with Evri because this appears to be a case of theft.  They didn't seem bothered - Refunded me and told me to go back to Evri and escalate it with them? So - Is there any way to compel Evri to conduct a proper investigation with this driver?  Search for my parcels? I have quite a lot of deliveries handled by Evri (not out of choice) - They used to have a fantastic chap and I rarely had any issues.  He has been replaced by a new guy and I believe the route is handled by this same guy who I believe has taken my packages.  Naturally, I fear this is going to happen again in the future if no investigation occurs. Appreciate any assistance - Thanks for reading. Al.  
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Capital (one) Justice


johnerog
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Cap One have responded to my request for costs with a schedule of their own costs. £425 + VAT

 

May as well set the ground rules; first to blink. I am going to tell them to get stuffed ( Metaphorically speaking) and i'll se them in court tomorrow.

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Chancers! Unbelievable cheek. Ask them to itemise it.

 

Can you post a functioning email for capone. Might be useful. Ta.

Keep the faith. EiE.

 

Capstone Mortgage 'Services' - Sub-prime garbage - unlawful behaviour/MULTIPLE consumer abuse, TOTALLY in Defiance of REGULATIONS and the law

 

http://www.fsa.gov.uk/pubs/final/gmac_rfc.pdf

 

CONTACT CIB Here

 

http://www.insolvency.gov.uk/Complaintformcib.Htm

 

Kevin Hughes(Compliance Manager-main) @ 02920 380 633

 

Lee Jenkins(prosecuting Amany Attia) 02920 380 643

 

Mark Youde(accounts compliance) 02920 380 955

 

Charlotte Allan @ 0207 596 6108 investigating all the Lehman lenders

 

Jeremy Pilcher 0207 637 6231

 

NO KAGGA LEFT BEHIND...

 

"We would not seek a battle, as we are; Nor, as we are, we say we will not shun it"

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They have itemised it.

Wendy Starr and Adam Berman earn £110 per hour but their poor counsel only earns £95.

All this plus VAT trouble is there is no VAT number on the claim. Also strangely, they claim for letters and telephone attendances (sic) on claimant. I have never spoken to anybody from cap one on the phone. Impossible I don't speak vulture.

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Buckling already...

 

£75 Via CHAPS straight into an account of your designation. Then you'll vacate but let them know it's not the end of the matter!

Keep the faith. EiE.

 

Capstone Mortgage 'Services' - Sub-prime garbage - unlawful behaviour/MULTIPLE consumer abuse, TOTALLY in Defiance of REGULATIONS and the law

 

http://www.fsa.gov.uk/pubs/final/gmac_rfc.pdf

 

CONTACT CIB Here

 

http://www.insolvency.gov.uk/Complaintformcib.Htm

 

Kevin Hughes(Compliance Manager-main) @ 02920 380 633

 

Lee Jenkins(prosecuting Amany Attia) 02920 380 643

 

Mark Youde(accounts compliance) 02920 380 955

 

Charlotte Allan @ 0207 596 6108 investigating all the Lehman lenders

 

Jeremy Pilcher 0207 637 6231

 

NO KAGGA LEFT BEHIND...

 

"We would not seek a battle, as we are; Nor, as we are, we say we will not shun it"

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Just picked up your thread from lexis' link, johnerog.

 

Cheeky B's!

 

I would suggest another email stipulating that you will only vacate the hearing tomorrow on receiving their confirmation of the following conditions:

1. They agree to pay the schedule of costs that you submitted to them by personal cheque to you by 4 November 2009 (or by chaps as EIE suggests if you trust them with your acc. details!)

2. They agree to withstand their own cost in connection with this application & will not seek to pursue further.

3. They confirm by fax today that they have no copy of your agreement, that the debt is therefore legally unenforceable & legal action will not be taken in an attempt to enforce it.

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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Just picked up your thread from lexis' link, johnerog.

 

Cheeky B's!

 

I would suggest another email stipulating that you will only vacate the hearing tomorrow on receiving their confirmation of the following conditions:

1. They agree to pay the schedule of costs that you submitted to them by personal cheque to you by 4 November 2009 (or by chaps as EIE suggests if you trust them with your acc. details!)

2. They agree to withstand their own cost in connection with this application & will not seek to pursue further.

3. They confirm by fax today that they have no copy of your agreement, that the debt is therefore legally unenforceable & legal (or any other) action will not be taken in an attempt to enforce it (by them or any other parties.

 

Could the red bits be added in to try and get them to basically agree the debt is null and void?

Time flies like an arrow...

Fruit flies like a banana.

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Hello All

 

May I say first and foremost thank you all for your support. I think all the genuine users of this site realise how much that support means.

 

As we stand Cap One have offered to pay £75 court costs but not my expenses of £20. I have refused their offer. I want to set the ground rules.

 

Once this is settled I will be starting chapter 2. Recovery of charges and interest and I want them to take me seriously, £20 may not seem much but if it is important to Cap One then its important to me.

 

If I turn up in court tomorrow with my offer that Cap one have turned down for the sake of twenty pounds I don't think any Judge will be impressed; particularly as £20 is a quarter of my weekly income

 

Just in!!!!!!

That nice mr Berman is taking instructions and will get back to me before 2pm.

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That nice mr Berman has been back in touch to say the following:

 

1. They agree to pay my court fee of £75.

 

2. They agree to pay my expenses of £20.

 

3. They will send me a cheque for £95 within 21 days.

 

Chalk up first chapter to CAG. £25 on the way as soon as I get the cheq.

 

Chapter 2 will start tomorrow after the hangover has abated.( maybe thursday)

 

I'm of to the court soon to take a copy their offer, the e-mail is time and date marked so they will know that it was Cap One delaying not me. (if they care.

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That nice mr Berman has been back in touch to say the following:

 

1. They agree to pay my court fee of £75.

 

2. They agree to pay my expenses of £20.

 

3. They will send me a cheque for £95 within 21 days.

 

Chalk up first chapter to CAG. £25 on the way as soon as I get the cheq.

 

Chapter 2 will start tomorrow after the hangover has abated.( maybe thursday)

 

I'm of to the court soon to take a copy their offer, the e-mail is time and date marked so they will know that it was Cap One delaying not me. (if they care.

 

Well done John :-D

 

S.

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Result!

 

Looking forward to part two!

 

Well done John. An inspiration to those who follow in your trail.

Keep the faith. EiE.

 

Capstone Mortgage 'Services' - Sub-prime garbage - unlawful behaviour/MULTIPLE consumer abuse, TOTALLY in Defiance of REGULATIONS and the law

 

http://www.fsa.gov.uk/pubs/final/gmac_rfc.pdf

 

CONTACT CIB Here

 

http://www.insolvency.gov.uk/Complaintformcib.Htm

 

Kevin Hughes(Compliance Manager-main) @ 02920 380 633

 

Lee Jenkins(prosecuting Amany Attia) 02920 380 643

 

Mark Youde(accounts compliance) 02920 380 955

 

Charlotte Allan @ 0207 596 6108 investigating all the Lehman lenders

 

Jeremy Pilcher 0207 637 6231

 

NO KAGGA LEFT BEHIND...

 

"We would not seek a battle, as we are; Nor, as we are, we say we will not shun it"

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A very juvenile diversion I know...

 

If you go here

 

Yahoo! UK & Ireland

 

There's a flash add for capital one which doesn't work!

 

Think. Everytime it's clicked yahoo charge Cap One! Get clicking folks. All that comes up is this!

 

http://m.uk.yahoo.com/undefined

 

;)

Keep the faith. EiE.

 

Capstone Mortgage 'Services' - Sub-prime garbage - unlawful behaviour/MULTIPLE consumer abuse, TOTALLY in Defiance of REGULATIONS and the law

 

http://www.fsa.gov.uk/pubs/final/gmac_rfc.pdf

 

CONTACT CIB Here

 

http://www.insolvency.gov.uk/Complaintformcib.Htm

 

Kevin Hughes(Compliance Manager-main) @ 02920 380 633

 

Lee Jenkins(prosecuting Amany Attia) 02920 380 643

 

Mark Youde(accounts compliance) 02920 380 955

 

Charlotte Allan @ 0207 596 6108 investigating all the Lehman lenders

 

Jeremy Pilcher 0207 637 6231

 

NO KAGGA LEFT BEHIND...

 

"We would not seek a battle, as we are; Nor, as we are, we say we will not shun it"

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Well thanks for that, but my inspiration has been Messrs Walton and Sparkie.

They got knocked back so many times yet kept going.

 

Today my trail will lead to the pub!!

 

Thanks to all; everything done has been done thru CAG, Any body know anything about section 142. Is that a N244 I see before me???

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Well done keep us posted. .

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

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That nice mr Berman has been back in touch to say the following:

 

 

Excellent john, first round to you! :)

 

A very juvenile diversion I know...

 

If you go here

 

Yahoo! UK & Ireland

 

There's a flash add for capital one which doesn't work!

 

Think. Everytime it's clicked yahoo charge Cap One! Get clicking folks. All that comes up is this!

 

http://m.uk.yahoo.com/undefined

 

;)

 

 

:D:-D EIE

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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Sorry John we posted at the same time so missed your question. If the Claimant cannot produce a credit agreement in the prescribed form signed in the prescribed manner by Debtor and Creditor, the court is precluded from making an enforcement order under s127 (3) Consumer Credit Act 1974 and it is requested that the court use its powers under section 142 Consumer Credit Act 1974 to declare the agreement unenforceable and strike out the Claimants case accordingly.

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

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