Jump to content


Tilly01 v Capital One


tilly01
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6330 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I am taking on Capital One, Have just been and sorted out the statements and letters we have had recently and I AM FUMING:-x They have put up our min payment to 5% from 3% with out telling us, I couldn't work out why our min payment was so large, we had arrears but not as much as they indicated so went back and worked it out from statments and they put it up in August with out telling us,:evil: has this happened to anyone else?

 

So am now totally determined to have them for every penny.:razz:

 

SAR sent yesterday, so let the fun begin!!! We'll wait and see if they default us now. :-|

Joined Site - 29/09/06:D

Woolwich

S.A.R - (Subject Access Request) sent - 1/10/06

Charges rec 11/10/06

Prelim sent recorded 12/10/06

LBA sent 6/11/06

Offer eventually received 3/12/06

Thanks but I want all of it letter sent 28/12/06

Court Claim Issued 3/1/07

Capital One

S.A.R - (Subject Access Request) sent 1/10/06

Recieved Statements 4/11/06

Prelim Sent 6/11/06

Offer recieved 17/11/06

LBA and rejection of offer sent 28/12/06

Link to post
Share on other sites

Well done - go get your money back!!

Plenty of help on this site if you need it.

Oh - I have a cat called Tilly !!!!!!!!!!!!!!!:) (sorry!!- thought it may make you smile!!)

NatWest

01-08-06 - Request for refund sent etc followed by all the other nonsense!!

18-10-06 - Settled in full - DONATION to site made:)

Woolwich

01/08/06 - Prelim letter sent

03/08/06 - Acknowledge letter received from Woolwich

18/08/06 - 2nd letter from Woolwich

21/08/06 - Acknowledge letter received from Barclays

13/09/06 - Offer letter received

19/09/06 - Confirmed I will settle at my amount sent

06/10/06 - No reply so LBA sent

02/11/06 - MCOL filed

21/11/06 - Acknowledged rec

05-12-06 - AQ rec & returned

23-03-07 - Court date!!

 

Capital One x2

16/11/06 - S.A.R Rec

Wifes Capital One x 2

18/11/06 - S.A.R Rec

Link to post
Share on other sites

It Did, thanks!!!

Joined Site - 29/09/06:D

Woolwich

S.A.R - (Subject Access Request) sent - 1/10/06

Charges rec 11/10/06

Prelim sent recorded 12/10/06

LBA sent 6/11/06

Offer eventually received 3/12/06

Thanks but I want all of it letter sent 28/12/06

Court Claim Issued 3/1/07

Capital One

S.A.R - (Subject Access Request) sent 1/10/06

Recieved Statements 4/11/06

Prelim Sent 6/11/06

Offer recieved 17/11/06

LBA and rejection of offer sent 28/12/06

Link to post
Share on other sites

  • 1 month later...

Hurray they finally pulled there finger out!!! Statements rec and have gone through quick calculation is about £700, now going to sit down and do letter and charges breakdown!!!:)

Joined Site - 29/09/06:D

Woolwich

S.A.R - (Subject Access Request) sent - 1/10/06

Charges rec 11/10/06

Prelim sent recorded 12/10/06

LBA sent 6/11/06

Offer eventually received 3/12/06

Thanks but I want all of it letter sent 28/12/06

Court Claim Issued 3/1/07

Capital One

S.A.R - (Subject Access Request) sent 1/10/06

Recieved Statements 4/11/06

Prelim Sent 6/11/06

Offer recieved 17/11/06

LBA and rejection of offer sent 28/12/06

Link to post
Share on other sites

Ok Have gone through Statements, and charges are £768, due to the amount of c**p we have had from them in the last 4 weeks I did Contractual interest of 15.9% as per there website for platinum card. Filled out approriate spreadsheet which was easy to use (thanks Vampiress:) ) And have sent prelim and copy of charges.

Now i need to check how we stand having added on contractual interest, I assume that this is added as part of the amount claimed on the N1 form(thinking ahead as I know they won't settle without going to claim stage) and not as part of the 8% interest which is added normally, I also assume that we can't now claim the 8% as well, I'm not greedy honest but just checking in case i can squeeze some more money out of them!!!

OK sorry this is a bit of a waffle but if someone could just let me know if I have assumed correctly that would be great!

Joined Site - 29/09/06:D

Woolwich

S.A.R - (Subject Access Request) sent - 1/10/06

Charges rec 11/10/06

Prelim sent recorded 12/10/06

LBA sent 6/11/06

Offer eventually received 3/12/06

Thanks but I want all of it letter sent 28/12/06

Court Claim Issued 3/1/07

Capital One

S.A.R - (Subject Access Request) sent 1/10/06

Recieved Statements 4/11/06

Prelim Sent 6/11/06

Offer recieved 17/11/06

LBA and rejection of offer sent 28/12/06

Link to post
Share on other sites

You are correct. You cannot claim 8% court interest as well.

---------------------------------------------------

Nationwide

Prelim sent 18/09/06

Revised prelim sent 26/09/06

LBA sent 11/10/06

N1 filed 30/10/06 served 3/11/06

Part payment £610.10 received 8/11/06

AQ filed 22/12/06

Cap One

S.A.R sent 08/09/06

Reply 20/09/06

Prelim sent 18/10/06

LBA sent 3/11/06

Barclaycard

S.A.R sent 08/09/06

Reply 14/09/06 Microfiche excuse

Response sent 18/09/06

Lloyds TSB (oh)

prelim sent 19/09/06

Revised prelim sent 26/09/06

LBA sent 11/10/06

N1 filed 30/10/06 served 3/11/06

Cap One (oh)

S.A.R sent 08/09/06

Reply 20/09/06

Prelim sent 18/10/06

LBA sent 3/11/06

Link to post
Share on other sites

Thanks for clarifying that, quick question again:p Sorry!! do i have to send the spreadsheet with contractual interest to show how i came to the amount to the court as well, ie a copy of vampiress spreadsheet.

Hope that makes sense, have only had one cup of coffee this morning and the brain is a bit slow:p

Joined Site - 29/09/06:D

Woolwich

S.A.R - (Subject Access Request) sent - 1/10/06

Charges rec 11/10/06

Prelim sent recorded 12/10/06

LBA sent 6/11/06

Offer eventually received 3/12/06

Thanks but I want all of it letter sent 28/12/06

Court Claim Issued 3/1/07

Capital One

S.A.R - (Subject Access Request) sent 1/10/06

Recieved Statements 4/11/06

Prelim Sent 6/11/06

Offer recieved 17/11/06

LBA and rejection of offer sent 28/12/06

Link to post
Share on other sites

Hiya,

You need 3 copies of the spreadsheet and 3 particulars of claim with everything dated the day you take your N1 into the court to file your claim. 1 copy is for the court, 1 copy for Capital One and 1 copy is returned to you by the court a few days later with the date of issue and your claim number on it.

The way I did it was to decide what day I was going down to the court to file my claim, then advanced the date on my pc so that my Particulars of Claim and Spreadsheets were completely up to date.

---------------------------------------------------

Nationwide

Prelim sent 18/09/06

Revised prelim sent 26/09/06

LBA sent 11/10/06

N1 filed 30/10/06 served 3/11/06

Part payment £610.10 received 8/11/06

AQ filed 22/12/06

Cap One

S.A.R sent 08/09/06

Reply 20/09/06

Prelim sent 18/10/06

LBA sent 3/11/06

Barclaycard

S.A.R sent 08/09/06

Reply 14/09/06 Microfiche excuse

Response sent 18/09/06

Lloyds TSB (oh)

prelim sent 19/09/06

Revised prelim sent 26/09/06

LBA sent 11/10/06

N1 filed 30/10/06 served 3/11/06

Cap One (oh)

S.A.R sent 08/09/06

Reply 20/09/06

Prelim sent 18/10/06

LBA sent 3/11/06

Link to post
Share on other sites

  • 3 weeks later...

Hurray, have had bog standard reply offering £280 which is difference between £20 and £12 chrage, now off to find reply saying thanks but I want the lot:D Thanks for all your help on here, it is much appreiciated, and suffice to say when I get my money will be making a donation to the site!!!

Joined Site - 29/09/06:D

Woolwich

S.A.R - (Subject Access Request) sent - 1/10/06

Charges rec 11/10/06

Prelim sent recorded 12/10/06

LBA sent 6/11/06

Offer eventually received 3/12/06

Thanks but I want all of it letter sent 28/12/06

Court Claim Issued 3/1/07

Capital One

S.A.R - (Subject Access Request) sent 1/10/06

Recieved Statements 4/11/06

Prelim Sent 6/11/06

Offer recieved 17/11/06

LBA and rejection of offer sent 28/12/06

Link to post
Share on other sites

  • 1 month later...

Keep it going, me favourite cat!!

NatWest

01-08-06 - Request for refund sent etc followed by all the other nonsense!!

18-10-06 - Settled in full - DONATION to site made:)

Woolwich

01/08/06 - Prelim letter sent

03/08/06 - Acknowledge letter received from Woolwich

18/08/06 - 2nd letter from Woolwich

21/08/06 - Acknowledge letter received from Barclays

13/09/06 - Offer letter received

19/09/06 - Confirmed I will settle at my amount sent

06/10/06 - No reply so LBA sent

02/11/06 - MCOL filed

21/11/06 - Acknowledged rec

05-12-06 - AQ rec & returned

23-03-07 - Court date!!

 

Capital One x2

16/11/06 - S.A.R Rec

Wifes Capital One x 2

18/11/06 - S.A.R Rec

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...