Cap one defaulted after court claims

[themadcap]

My wife has a crap 1 card, she took them to court in Nov after they refused to refund charges, they settled mid Nov for £109 which they took of the balance but not off the monthly payment which included the charges, she made payments of about £50 per month and again they charged in Dec and Jan O/L's and Late fees as payments were always below their figure (which included their refunded charges) so went back to court in early Feb,then Crap1 issued a default notice for £206,which was still made up from the previous charges that have been refunded, the current court case is for £79 and a further £24 has been added,so in total £213 has been/is being claimed for charges but they have issued a termination notice saying defaulted for £206.

As this £206 is clearly made up of charges and she has made more than what would have been the min payments each month how can they suggest the account has D/F as the D/F is made up of their charges that they have refunded but refuse to take off the minimum payments?

Without the charges added to the minimum payments the account would have remained upto date and therefore cannot warrant a default or T/N.

The POC'S in both her court claims state any defaults must be removed so considering refusing when they no doubt make their 11th hour offer.

The payments they decided to take off the balance also included the court fees which surely have nothing to do with cap 1's account.

Letter from Fredricksons came dated 22/2 Crap 1s D/N & T/N was dated 21/2 looks like sour grapes to me, a case of trying to get their own back.

[themadcap]

Anyone got any views on this?

[themadcap]

Anybody?????????????????????

[themadcap]

Anyone read this????

[Craigbadger]

You'd be better posting over in the debt collection I imagine.

[themadcap]

My wife has a crap 1 card, she took them to court in Nov after they refused to refund charges, they settled mid Nov for £109 which they took of the balance but not off the monthly payment which included the charges, she made payments of about £50 per month and again they charged in Dec and Jan O/L's and Late fees as payments were always below their figure (which included their refunded charges) so went back to court in early Feb,then Crap1 issued a default notice for £206,which was still made up from the previous charges that have been refunded, the current court case is for £79 and a further £24 has been added,so in total £213 has been/is being claimed for charges but they have issued a termination notice saying defaulted for £206.

As this £206 is clearly made up of charges and she has made more than what would have been the min payments each month how can they suggest the account has D/F as the D/F is made up of their charges that they have refunded but refuse to take off the minimum payments?

Without the charges added to the minimum payments the account would have remained upto date and therefore cannot warrant a default or T/N.

The POC'S in both her court claims state any defaults must be removed so considering refusing when they no doubt make their 11th hour offer.

The payments they decided to take off the balance also included the court fees which surely have nothing to do with cap 1's account.

Letter from Fredricksons came dated 22/2 Crap 1s D/N & T/N was dated 21/2 looks like sour grapes to me, a case of trying to get their own back.

[harrassed senior]

Too confusing for my old brain, but this will give you a to the top again for someone who is able to assist.

[themadcap]

Thanks