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    • Hello Friends. I cannot believe it but im being evicted again, i was given a section 48 notice 4 months into my tenancy. I already went through this process last year, i overstayed in my last place by a few months and left on 6th Oct 2023. I knew to check all the documentation that they sent to see if the notice is legal, it looks like it is. I took this place out of desperation as i had to vacate that last place. I hate this place so im not bothered about leaving it.    These cowboys lied to me when i viewed the house. I told the agent that i was evicted from my last house and naturally i dont want this to happen again. She said  the landlord has no plans to sell the house. What she did not tell me was that the landlord had tried to sell the house last year and failed. So it looks like they have used me to fill in the short period of time until its time to sell again. I did see it advertised online.   I told them im not in a strong enough financial position to find another property, cost of a deposit, 1 months rent and moving costs.   They have told me they are starting legal proceedings. They have sent me an invoice for £395 but i have not even received the court paperwork.    I dont like the job im in so i have decided to relocate to a better job and hopefully find cheaper rentals.   I can post a copy of the notice if needed.  
    • yes a judgement sorry I used the wrong word before
    • Hi So on Friday I received a copy on email from the claimants solicitors with an attached relief from sanctions application - on the basis that the solicitor missed the deadline for the additional directions and it was an oversight on their part and that the claimant should therefore not suffer.   They then attached a copy of the deed of assignment and a new witness statement.  They stated that they would be happy to delay the court date by 28 days but that they believed both parties were ready for the court case on 7th June. My first question, is there anything I need to do or do I just sit and wait to see what is decided?  Secondly, is it likely the judge will be aware that the claimants solicitors did exactly the same in the set aside court case (ie they filed their court bundle late and applied for relief from sanctions on the morning of the court date, and my solicitors had no choice but to agree because they threatened to strike my case out because my solicitors had only filed their court bundle by email and not post).  This is a clear pattern of how these solicitors work rather than it being a one off oversight! 
    • I shall find the link later this evening. It was about couples not living together but being liable for council tax. I was never married or in an official civil partnership. We lived together for 18 months, I then left for 6 months for work but continued to pay my half of the bills and rent.   We then split up I gave up my tenancy she took it all in her name. She then decided to move in with me 5 months later. She then banned me from going back to my house eventually let me back in then called the police. Took over my house and is now only paying the rent not the bills so I will be landed with those to. So over the course of our relationship I have ended up paying her debts for 5 different addresses, personal loans and credit cards. If I refuse to pay them she makes more accusations.
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snow_white vs natwest


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i have started trying to claim my charges back from Natwest and now am ready to claim charges back from capital one. I still have nearly all my statements so don't need to get copies. Have totalled up my charges and it amounts to £480. I'm eager to claim it all back especially as am still bitter about how some of the charges came about. Capital one was my first credit card and i got it before i was due to go abroad for four months. I wasn't supposed to pay a yearly fee but they charged me a fee of £18. I was away so didn't know about the charge and they charged me a late fee of £20 for every month i was away. They then wrote saying they shouldn't have charged me the yearly fee and refunding me £18 but still leaving me £60 of charges to pay off. I payed the additional charges even though i'd never even used my card because i didn't have the nerve to challenge the charges.

anyway four years on i'm claiming it back. I wondered if the prelim letter was the same for banks and credit cards? do i just make slight adjustments? Also should i mention the mistakes they made in charging me when it was their mistake in the first place. It only accounts for a small amount of my charges but it might make them more inclined to refund my charges early.

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hi snowy

Yes your right adapt prielim letter to suit cc ie overlimit fee/late charges

send them a shedule of charges (template libary)with your letter but only fill in the notes section and charges section DO NOT fill in the 8% section you only need this if you have to file a claim at court.

send letter recorded delivery or if you can afford it (£4.10):eek: Special delivery if you send it before lunchtime it will get there by lunch next day.And you can track both by going to royalmail website. Isent mine to.......

 

 

Katherine Blunt

Legal Dept

Capital One Europe plc

Loxley House

Station Street

Nottingham

NG2 3HX

 

hopes this helps

Alan

-------------------------

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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  • 3 weeks later...

recieved an offer of £220 today, its £260 less than i'm after. I really need the money but don't want to let my desperation lead me to losing out on what i'm owed. If i can stand the stress of the wait and get the full amount then i can nearly clear my balance and start fresh. I wrote back accepting the money as a partial payment and telling them i'd put in a claim if they didn't pay me the rest.

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  • 2 weeks later...
  • 2 weeks later...

Got a partial refund from Barclaycard so had just enough money to file my claim against Capital one online. I was claiming £480 but with additional charges, interest and the court fee they will have to pay me £660. I would have thought they'd want to save themselves the money and the hassle.

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received their acknowledgment of my claim today so they have a month now to file a defence.

 

I was told by the court person that the 28 days includes the initial 14 days they get to reply, so they only have another 14 days not 28.

 

By the way I am in the same position but with barclays.

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reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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don't know how my natwest thread ended up in the capital one forum. have a capital one thread also. maybe i came into this forum intending to start my cap1 thread but got distracted and started the natwest one by mistake.

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You can't, but a mod can - drop one of the 'green' members a PM and they'll do it for you :)

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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  • 3 weeks later...

recieved a letter from capital one this morning. They are willing to settle in full to avoid court. They will credit my account with the £668 i am claiming and send me a check for the amount above the balance owed. Is such a relief that its over as this was my main claim. Just one more to go now.

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Well done snowy I filed a court claim against them friday so you have done really well. Enjoy it.

 

You should put a message in the successes forum (cap 1 Not nat west;) )

 

Again well done.

 

Al.

-------------------------

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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