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Cap 1 have refunded to card after court papers issued - is this right?


un1boy
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My mum's cap 1 claim has got to court stage, they wrote to her telling her that they have put it in her account as a goodwill gesture.

 

We have been asking for a cheque and told them that all refunds in any other form will not be recognised.

 

Although they given her a full refund on the card, can a cheuque be requested.

 

Surely a goodwill gesture is not the same as a settlement and this was not accepted.

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Have you actually filed a claim in court?

 

Yep. Before we did it they wouldn't refund, then we filed the claim, they defended then said they had put it on the card.

 

They put it on before even telling her!

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*Bump*

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This is quite normal with Capital One. . . If your Mum draws the cash out with her card, they will charge 3% for that transaction. If there was a balance owing to Capital One, then any refund could be paid back to bring that balance down. Your Mum could write back to them and insist on a cheque instead.

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This is quite normal with Capital One. . . If your Mum draws the cash out with her card, they will charge 3% for that transaction. Your Mum could write back to them and insist on a cheque instead.

 

We've done all that, and insisted through each lba and prelim that it's a cheque or it's not acknowledged.

 

They refunded as a gesture of goodwill, not as full and final settlement.

 

Would a court say that it has been refunded?

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

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Has all of the money and any interest been paid in full?

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Has all of the money and any interest been paid in full?

 

 

Yes, they paid everything, including the court fees.

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*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Not yet willows, it will be now - I can't be bothered with them now.

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un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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What do u mean by nevermind,lol?

 

I'm glad that you are keeping an eye on my persuits - which thread are you talking about?

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

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My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Haha, I'm glad I've missed out on that fun - gotta leave some for you!

 

Well willows mate, anything i can do to help, just ask! :)

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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  • 7 months later...

Not much KP - to be honest, it wasn't my card and I can't be bothered with having to fight them all the time, so we just withdrew the claim from the court.

 

May start something again sometime though.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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  • 4 years later...

I am trying to help my sister make a claim for her PPI with Capital One but I have read that Cap1 can be very harsh about it.

 

Can I get some advise?

 

She thinks she took it out online but it may have been over the phone. She's sent a SAR but they've not responded and are well over their 40 days.

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un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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She must now write to Capones Data Controller, challenging their failure to comply with the SAR.

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Thanks Briga - she;s just checked the Royal Mail's tracking ()sent recorded) and it says "the itme is still processing through our network" so it looks like it was never signed for.

 

I suppose she will have to send it again?

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Exactly how long agonwas this sent?

 

A complaint to RM is needed as well now!

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Bginnging of Decmeber - it just gets more confusing. The date on the receipt was 20.11.2012

 

RM def have no signature for it but the cheque for DPA fee was cashed on 10.012.2012.

 

She has received no acknowledgement.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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OK this must be challeged as non compliance with a lawful request, the time scale is 40 calendar days from the date the SAR was received.

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Please Consider making a donation to keep this site running!

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I've just writtena chase letter to their Data Controller

 

How do I report it to the ICO - is it an easy process?

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Cap1 cough quite nicely.

 

esp on PPI when you get passed the initial fob off letter.

 

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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