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tjjbkh

Need advice ..Please...

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Hi everyone I have just started a claim against capitol one, i'm at the stage were I have sent the Preliminary approach for repayment letter and a schedule of charges sheet(i did not add the interest at this stage I hope that that's the correct way).

I have recieved a response in which capitol one acknowledge my claim but they tell me that it will take 4 weeks to look into my claim and if it takes longer than 4 weeks they will write to let me know.

 

Is this what should happen at this stage or are they just delaying.

 

The 20th of july is the 2 week limit, should i move onto the LBA letter or just wait for them to get in touch.

 

My charges come to 326 pounds without interest..

 

Any advice from anyone at the mo would be much appreciated....

Thanks..

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Hi,

 

I'd send the LBA after the 20th, what sort of interest are you going to ask for ?

 

Regards.

 

Scott.


 
 

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

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

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RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi, thanks for the quick responce, i was just going to go for the standard 8%. I that correct...

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Thats what I claimed and got, they seem to pay up when they receive your court papers.


 
 

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

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Ok thanks i will promptly send the lba letter on wednesday, and i will keep my thread updated. Thanks for helping.

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Tjjbkh, the letter you received sounds exactly like the one I received when I sent them a CCA request!. Was it from Sven Lagerberg?!!

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why are you not going for purchase int?

afterall thats what they have charged you on the PPI in thes statements.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Hi SNAPPIE37, yes the letter was from that very person, how did you respond, did you send a lba, any advice would be helpful thanks...

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why are you not going for purchase int?

afterall thats what they have charged you on the PPI in thes statements.

 

dx

 

Don't have a clue how to go about the purchase int. What is this, and is it easy to do... Thanks

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No, I've sent them the "Failure to respond to a CCA request" letter putting the account into dispute. This "four weeks to respond" tactic seems to be cropping up all over the Cap 1 thread and seems to be a standard letter when they don't quite know what to do.

Why send a letter saying it will take four weeks when the statutory limit is 12 + 2 days?..totally beyond me...

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I know what you mean.

I stopped paying my monthly payment(which was a measly minimum 9.00) when i started the claim, i have had none stop phone calls and mobile calls and txt's, there doin my head in... I have only missed one payment so far, surely that 9.00 isn't going to make much difference....

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Send them a letter telling them only to contact you in writing. There is one to use in the template library.

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ok, cheers, didn't know you could do that :).

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Don't have a clue how to go about the purchase int. What is this, and is it easy to do... Thanks

 

there are plenty of threads to follow in the ppi forum.

 

Compound interest calculator

helps

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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ok, thanks i will check out the threads and make sure i understand everything.....

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please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Hi, i've just received a letter from captol one , the exact same letter that i received after i sent the prelim letter.. the letter reads...

 

"It's going to take us a little 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 4 weeks of this letter.

 

If for someour investigations take longer than 4 weeks, we'll contact you to tell you why this is.."

 

I've already sent the letter before action letter.

 

What should i do now...... please help...

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matters not

 

they have failed the 12+2 deadline.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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do i continue with the mcol when the 14 days is up...thanks

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for what?

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Hi, i need to know wether i should wait for the 4 weeks that they say it's going to take or wait the 14 days from when i sent the lba letter and start court proceedings?

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It's your claim, it's your deadlines.

 

Technically you need to give them 14 days after the initial letter asking for your charges back. Then you should send a LBA giving them another 14 days.

 

At that point you then make the decision, immediate application to the Court or wait for them to reply. This way you have been seen to be acting reasonable.

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pers i think your firing the court gun too soon.

 

you need to go through the fos if they have given you their final response or have taken more than 8 weeks to address your complaint.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Hi all, well quick update.

Rec'd letter from cap one on friday stating that there charges have been correctly applied to my account, they believe there charges to be fair and lawful( yeh believe what you want cap one:p).

 

I'm now ready to file a Claim at MCOL on wednesday.

Hope this is the right way to go, i'm also going to add the 8% interset too.

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Hi, been away for a couple of days so going to start MCOL tomorrow, got a few questions though.

 

I've been reading up on the POC;s and find it confusing..

 

How do the court know that it's a credit card and not a bank account, do i put this in the POC.

 

What happens if they still don't pay up..

 

Any advice would be much appreciated......

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