Carter claimform - old Cap1 card **SETTLED BY TOMLIN**

[emmaf01]

Right, got my SAR statements today. Have done my spreadsheets and I'm sending my prelim on monday.

At least it takes my mind off the Halifax!

[emmaf01]

So, they've given me £100. Charges but no interest. So, thanks but where's the rest letter on its way.

[hagenuk]

Hi Emma

 

Did you issue a court claim or were you claiming contractual interest on this one?

[emmaf01]

No court claim (yet). And the interest I am claiming is contractual.

 

I've got to wait until I've paid my card bill before I go to mcol!

My husband didn't want me to keep going after the partial payment until I explained (in little words?!) that we were still paying the interest on the charges they have refunded.

That is not on!

[emmaf01]

So, can't do mcol-as contractual interest being claimed. So, I am trying (desperately) to get my head around filling in the N1 with contractual interest AND a partial settlement of £100 already received (and telling them they are still being chased for the rest).

Arrrrgh!

 

Any help gratefully received.... anyone..... please.....

[emmaf01]

So now, with all the contractual interest confusion, I don't know what I'm doing. I have got the charges back, but what about the interest I have been charges, on the charges. I am leaving this to concentrate on my other claims, until I know if there is any reason to go further.

After all, I got the charges I paid back. So in that respect- a result!

[hagenuk]

Congratulations, Well Done!

[rougesept]

Hi Emma,

 

This is Cap One's latest tactic leaving only the interest to go to court over. The same thing has happened to Kathrynlf (and others now) on this board - she's replied accepting in part their refund and continuing for contractual interest, you might want to take a look. I'm at virtually the same stage and will be fighting them for the full claim if they only refund charges.

 

Rouge

[emmaf01]

Normally I'd say yes and go forward- but the interest comes to £30ish for CI and £7ish for statutory, so it seems a bit uncalled for!

[TANZARELLI]

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

 

see here ems.

[emmaf01]

Oh I've sent them a nice letter saying I accept them only as partial payment- keeping my options open!

[rougesept]

Not sure I'd bother with the hassle for £30! But then again, the whole point is that they owe you this money after taking it wrongfully. My CI is £3k so I'll bother in my case...

 

Rouge

[TANZARELLI]

Not sure I'd bother with the hassle for £30! But then again, the whole point is that they owe you this money after taking it wrongfully. My CI is £3k so I'll bother in my case...

 

Rouge

 

£30 is 1/2 a night on the p*ss that is. lol

[emmaf01]

If I had a chance in hell of getting out for a night on the p*ss, I would probably be more insistant!

[TANZARELLI]

Try and make time

[emmaf01]

With a toddler, I can't afford the hangover!

[TANZARELLI]

Valid point I have an 8 month old and prob go out once a week if i'm lucky, not good with a hangover.

[emmaf01]

once a week! I haven't been out for over 12 months... However my husband has forced himself to go out without me a few times... Hmmmm...

[emmaf01]

Right, so managed finally to work the compound contractual spreadsheet, so how do I move on with this? I've input my fees and the payment already made by Capital One, and so finally calculated the interest paid on the penalties.

So, seeing I sent them a letter rejecting/accepting their partial payment, intending to proceed, do I send them an lba with the revised spreedsheet?

[TANZARELLI]

Right, so managed finally to work the compound contractual spreadsheet, so how do I move on with this? I've input my fees and the payment already made by Capital One, and so finally calculated the interest paid on the penalties.

So, seeing I sent them a letter rejecting/accepting their partial payment, intending to proceed, do I send them an lba with the revised spreedsheet?

 

Yes

[emmaf01]

Hi everyone.

 

As of November last year I became ill. I stuggled on with things until January/February but at that point I snapped, both health wise and financially.

 

Anyway I was in an out of hospital for a while and let my debts slide. My husband managed to keep his credit card payments going but apart from two token payments I haven't paid Capital One who have now closed my account and passed everything on to in-house DCA Debitas.

 

Apparantly even when they knew I was in hospital and too ill to talk to them they still rang at least four times per day.

 

So now I'm back but relying solely on benefits what should I do?

 

I know they have the CCA because I got then for some of my bank charges last year/year before. I must still have it in a file somewhere.

 

I've already told them on the phone to write to me but they said they will just keep calling. I don't think they liked that I wouldn't answer security questions but I told them I had no proof they were who they said!

 

So any ideas people?

[Guest forgottenone]

Well, Capone ... ****, plain and simple.

 

Apparantly even when they knew I was in hospital and too ill to talk to them they still rang at least four times per day.

 

Did the reverse with me ... when I came out of hospital, started posting on here again ... low and behold ... calls started. And there's a very good reason I don't answer them anymore ... That's for them to work out, however ... cos they just didn't get the message about not calling.

[emmaf01]

I just know I can't give them much. Its not like I owe millions. But with all the charges they've now added its gone up to near £2,000. The APR was extortionate anyway (29.9% I think)

 

Apparently. while I was ill they were asking for a letter from my doctor before they would stop ringing. I think my husband told them we had bigger things to worry about, so now they've defaulted me.

[havinastella]

Emma, are you SURE they have a copy of your CCA?

 

With Crapone, it's highly unlikely!

 

Send them the telephone haressment letter and request a copy of all your statements, sar and start to reclaim the further charges.

 

JOgs

[Guest forgottenone]

while I was ill they were asking for a letter from my doctor before they would stop ringing.

 

I think, if anything ... Capital One is one of the companies that needs a lot more regulating ... If it weren't the 21st century for example, such things would be barbaric, middle ages.