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yes ++ interest

 

i'd pop along tothe capital one forum and have a read

 

dx

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

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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that links to "just go find" is that right?

 

No, don't think it is, I'll let dx know.

 

Regards.

 

Scott.

 
 

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

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You will find the Capone forums in the following link :)

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?48-Capital-One

 

The full name of C1 does not take you to specific forum.

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  • 2 months later...

Hi i have a capital one account,ive probably payed a fair wack in charges with my account.

ive read the forums for a while now. Am i correct in thinking i can send off a sar without doing the cca.as i know they probably have the documentation for the card etc.its the charges i want back not to answer if its lawful.

and if so.,after the sar is sent what are the steps on from there.barclaycards my next victim,i must of paid well over 500 to them over the years by now.

i was going to hit vanquis as well but from what ive read they are a pain in the ass.

so yeah sorry for trailing off! what are the steps after the sar is sent recorded with a £10 postal order inside?

 

any help appreciated thanks

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  • 1 month later...

Hi,

 

Yes sending a SAR should get you all you need to calculate how much they have added in charges.

 

This is the LBA ..............just edit for your prelim.

 

 

 

[your address]

 

 

 

[their address]

 

 

[DATE]

 

 

letter before action

 

 

Dear Sir/Madam,

 

CARD/ACCOUNT NUMBER: xxxxxxxxx

 

Further to my preliminary letter of xxxxx with regards to charges levied against the above account,I note you have failed to respond and show no intentions of refunding the charges.

 

As indicated previously,I consider that the regime of fees which you have been applying to my account in relation to late fees and over limit charges, are unlawful at Common Law, Statute and recent Consumer regulations.

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

Whilst I am mindful of the OFT investigation in 2006 of credit card fees,the OFT deemed that only a Court could determine the fairness of fees and so the £12 figure was only fixed as a guideline.

 

I make a further request that you refund to me £XXXXX plus £XXX which you have charged me in interest for the sums which you have taken. Total £XXXXX.

 

 

I give you a further 14 days to comply,or else provide me with a full breakdown of your costs in addressing any breach on my behalf,which demonstrate clearly that your charges are in proportion to your actual costs.

Failure to do so,will result in me issuing a county court claim for recovery of the charges plus section 69 interest and costs.

 

Yours faithfully,

 

 

 

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

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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