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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
    • he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
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Skyswatter vs Capital One


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I received a letter today from Capital One stating that they have refunded the £12.00 penalty charges added to my account.

 

Although I have been paying them £10.00 every month, they added a £12.00 LATE OR FAILURE TO PAY charge to my account on the 5th October. Their settlement letter is dated 6th October.

 

I have drafted the following response to them.

Can you tell me if it is ok please?

 

Thank you for your letter dated 6th October 2009 informing me that you have refunded the penalty charges to my account.

 

On reviewing my account, I note that there has been a LATE OR FAILURE TO PAY charge of £12.00 added to my account on the 5th October 2009.

 

I would like this charge refunded.

 

Additionally please provide evidence that my records at Credit Reference Agencies have been corrected to reflect that there are no late payment markers, default markers, arrears markers etc., logged against my name.

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  • 1 month later...

Capital One have got round to responding to my letter.

 

They say they will refund the £12.00 and that the late payment markers will remain.

 

IMG.jpg

 

IMG_0001-1.jpg

 

I had put in my court claim that they were to refund the charges and remove the markers.

 

What should I do now. I have not notified the court that they have refunded the charges as I was waiting for them to confirm that they have removed the late payment markers.

 

Do I enter judgement as they have failed to carry out all the requests in the court order?

 

Please let me know!

Edited by skyswatter
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I issued a court claim for overlimit fees and late payment fees.

I went over the limit by like £3.00 and they applied iver limit fees to the account.

 

I have a standing order that is set up to pay them a set amount every month. I did not increase the amount to pay off their overlimit fee, so they then charged me late payment fees.

 

I submitted the court claim and they have refunded the charges. I pout in my claim that they were to refund the charges AND remove the markers from my credit file.

 

They have not removed the markers.

 

Do I enter judgement in light of their letter that I received today?

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By the way sky, I don't know why your earlier stuff was deleted but please remember that companies like Cap One would love to get CAG shut down. So, although we all get frustrated at times we need to be a little carefull of what we say, not everybody reading these posts are friends..

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I issued a court claim for overlimit fees and late payment fees.

I went over the limit by like £3.00 and they applied iver limit fees to the account.

 

I have a standing order that is set up to pay them a set amount every month. I did not increase the amount to pay off their overlimit fee, so they then charged me late payment fees.

 

I submitted the court claim and they have refunded the charges. I pout in my claim that they were to refund the charges AND remove the markers from my credit file.

 

They have not removed the markers.

 

Do I enter judgement in light of their letter that I received today?

 

1. Have you got a court order against them? If you have are you sure it mentions the markers?

2. Do you still use the account?

3. How long have you had the account?

4. Have you CCA'd them.

 

I ask about the contract because you may have given them permission to use your info when you signed it.

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I went through the whole process of prelim LBA and then I filed a court claim.

 

They refunded the charges but have not adjusted the markers.

 

Those markers were applied as a result of their unlawful charges, and yes I still use the account.

 

The account has not been cancelled and I still have a valid card.

I have had the account for about 6 years.

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The court claim was deemed issued on the 1st October 2009.

Capital acknowledged on the 5th October.

They refunded the charges on the 6th October.

They have not amended the data with Credit Reference Agencies as set out in the claim.

 

You do not appear to have been to court yet and you must be very careful not to get hit for costs on this. If you have signed an agreement allowing them to share your data and they produce it in court you could end up with a bill of several hundred pounds. Has a court date been set yet? Do you have a copy of your contract?

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I am confused.

 

What do I need to do to get them to remove the late payment markers that they applied to my account as a result of THEIR UNLAWFUL charges.

 

The information that they have reported to credit reference agencies is false. I have never missed any payments. I have always paid every month. The account would never have been over limit or had late payment fees had they not kept on applying their charges.

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Hi, skyswatter.

 

This should help...............

 

http://www.consumeractiongroup.co.uk/forum/barclays-bank/149483-have-you-been-defaulted.html

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

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Hi, skyswatter.

 

This should help...............

 

http://www.consumeractiongroup.co.uk/forum/barclays-bank/149483-have-you-been-defaulted.html

 

Regards.

 

Scott.

I cannot access the second link.

I am new to this, so I am not sure how it works?

I have not been defaulted on this account.:(

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I am confused.

 

What do I need to do to get them to remove the late payment markers that they applied to my account as a result of THEIR UNLAWFUL charges.

 

The information that they have reported to credit reference agencies is false. I have never missed any payments. I have always paid every month. The account would never have been over limit or had late payment fees had they not kept on applying their charges.

 

Hi Sky

Welcome to the credit card crazy world. It has taken me 8 months and a court appearance to get Cap One to admit they do not have a valid agreement. (or any agreement come to that). Every credit card company in this country will trample all over your legal rights knowing it will take a great deal of time and effort plus a little money to force them to take any action on your behalf. If you want to do anything about this you will need a great deal of patience.

You seem to have gone off at half cock here, start at the begining. Do you have a copy of your agreement? Do you have a court date?

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How have I gone off half cock?

 

I followed the procedure on there that states that you send a Prelim and and LBA and then you set out in your claim that you want your money back as well as adverse info removed.

 

I don't have a copy of my original signed agreement. No.

 

I do not have a court date.

 

They have refunded my charges and nothing else.

 

I wrote to them to tell them they have not complied with all the requests set out in the court claim.

 

Their response to my letter is posted above.

 

What do I do next?

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You need to start at the begining. Have a look on the tenplates on here for a letter requesting a copy of your contract under S78 of the CCA 1974. It will cost you a pound.

 

I have to tell you Sky it will take several months for you to get this rectified. There is no quick way and its quite possible that by the time you do get it rectified it won't matter any more. Also if they produce a signed agreement there may be nothing you can do about, you may have given your permission.

 

Sorry but I believe that is the reality.

I will notify the site team to see if they think any diferent.

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when cap one paid out did you discontinue the claim?

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

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