Miller V Capital One (Mastercard)

[garethmiller]

Hi this is my first forum post, I have a couple of claims to work on but I have started with my Capital One Mastercard. Back In July I requested statements, At the end of August I wrote a prelim letter asking for £720 (thats £720 in just two years of having the card!), Last Saturday I received a partial offer of £288 from Mr Uddy and I have sent a letter before action in return (as the initial 14 days was up) accepting it as a partial settlement but that I would be pursuing the rest. I sent the letter on Sunday, any suggestions whether they will respond before the deadline or not? and what they might say if they do?.

 

How come the Executive Response Centre is so uncontactable, does anyone have an e-mail address for them?

 

Love out

 

Gareth

 

[livelylad]

Hi this is my first forum post, I have a couple of claims to work on but I have started with my Capital One Mastercard. Back In July I requested statements, At the end of August I wrote a prelim letter asking for £720 (thats £720 in just two years of having the card!), Last Saturday I received a partial offer of £288 from Mr Uddy and I have sent a letter before action in return (as the initial 14 days was up) accepting it as a partial settlement but that I would be pursuing the rest. I sent the letter on Sunday, any suggestions whether they will respond before the deadline or not? and what they might say if they do?.

 

How come the Executive Response Centre is so uncontactable, does anyone have an e-mail address for them?

 

Love out

 

Gareth

 

 

hi Gareth i am slightly ahead of you, i to got the partial settlement from uddy. they never replied to my request for the balance. I have filed MCOl the 28 days are up om the 27 sept. As for the ERC dept complete tossers i was told by customer services that they would speak to ERC and get them to phone me, Yea right phone call 15 mins later telling me ERC dont make phone calls. Mmmmm wonderfuls customer services.

[garethmiller]

Thanks for the info! much appreciated. I have seen that some people have been called by the ERC, so I rang customer support (not the man customer services) and asked them to send a message to the ERC to call me, not heard anything back yet though unsuprisingly. No-one has managed to get an e-mail address for someone there which I find strange, I mean whats the difference to them whether I e-mail or send via snail mail. If anything its helping them as customer support told me that every letter has to go and be scanned and put onto a pc before it can be replied to.

 

A quick kind of off-topic question (well off my capital one mastercard anyway) can I send a pre-lim letter for my Capital One Visa just requesting that all charges on it are returned to me without quoting exact figures. By the time for the need for a Letter Before Action I should have the statements anyway. Just a thought I had to speed up the process for myself. I

[livelylad]

Thanks for the info! much appreciated. I have seen that some people have been called by the ERC, so I rang customer support (not the man customer services) and asked them to send a message to the ERC to call me, not heard anything back yet though unsuprisingly. No-one has managed to get an e-mail address for someone there which I find strange, I mean whats the difference to them whether I e-mail or send via snail mail. If anything its helping them as customer support told me that every letter has to go and be scanned and put onto a pc before it can be replied to.

 

A quick kind of off-topic question (well off my capital one mastercard anyway) can I send a pre-lim letter for my Capital One Visa just requesting that all charges on it are returned to me without quoting exact figures. By the time for the need for a Letter Before Action I should have the statements anyway. Just a thought I had to speed up the process for myself. I

 

you could do this but its proably better to wait for the statements, that way you are not correcting amounts, i dont think Capital One would be that helpful and give you a) amount in charges or b) the cash anyway!

 

the difference between e mail and snail mail is negligable really as a letter is deemed served after 2 days.

 

glad to help if i have click my scales:cool:

[garethmiller]

Hi today I have received a letter from Capital One saying the offer of £288 on my claim of £720 is a final offer and that it won't be increased any further. The deadline for my LBA is the 23rd of Sept (a week tomorrow). I am wondering as I have already given them 21 days and have a written statement that they will not negotiate any further in the forthcoming 7 days, can I start my claim now?. I mean I could prove to court if need be that waiting the extra 7 days would of been pointless.

[garethmiller]

Can anyone help?, see above post. Also I only asked for charges to be refunded in my pre-lim letter and LBA, I didn't claim for interest that I have paid on those charges (something like 20 per cent APR) although I did say I would claim costs and interest if it went to court. What position does that leave me in do you think?.

[garethmiller]

Claim Filed On Moneyclaim Online Today For £720 + Interest + Costs

[garethmiller]

I put in my claim on 5/10/06 and it was acknowledged on the 11th, could anyone advise how long Cap One usually take to get in contact after acknowledging a claim?

 

Thanks!

[e28bigalbexley]

They may not get intouch Gareth they have till the 8th the may issue a defence or not both you should know about 24 hours after their time for defence runs out.

Keep your fingers crossed.

[garethmiller]

Thanks, its just that I noticed on these forums today that claims acknowledged from the 3rd to the 9th of October paid out today. So I'm hoping that in the next week I may be lucky. I was just wondering what the general give up time is with Cap One.

[garethmiller]

My thoughts yesterday were right, they are having a burst of getting claims settled and are now settling claims acknowledged from the 9th Oct onwards.

 

CLAIM WON!

 

Cap One have agreed to pay the full amount £878.94 without any admission of liability. Thats a big difference from the £283 or so they offered! woo hoo!!!

 

:D :D :D

[e28bigalbexley]

WELL DONE GARETH