Tinkerbelle vs Capital One - I've WON!!!!

[Tinkerbelle]

Oh how lucky am I

 

Logged into Sky Credit Card Account today and they have more than doubled my credit limit..so off to Money Claim we went and fired off the first of several claims

 

Claim No: 6QZ30805

Date Filed: 13/05/06

Amount: £446.67 + £50.00 court costs

 

These people obviously have money to burn...I mean really they could have just paid up the £393..but nooooooooooooooooo they have to drag it out so it ends up costing them even more

 

PM sent to BF!

[Alleycat]

Sounds like things are moving along nicely Tinkerbelle. What you going to do with the money when you get it? Have you got any nice plans?

[Tinkerbelle]

oooh!! Well let me see!!

 

Buy a HD TV? - No

Buy a PSP? - No

Buy a PS3 and sell it back on Ebay? - Possibly

Stick it in an ISA? - Most Likely!

 

For Info: - Checked Moneyclaim this morning and the claim is still showing as Requested

[Tinkerbelle]

Moneyclaim now showing as issued

[panther12]

Which Defendent's address do you use when completing the court forms? Is it the Executive Office PO Box in Nottingham or the Registered office in London? Will be submitting my claim on Monday.

[Tinkerbelle]

Sent it to Exec Office in Notts, as they were the ones who were sending out the Sod Off Letters

[panther12]

Sent it to Exec Office in Notts, as they were the ones who were sending out the Sod Off Letters

Thanks for that. Just to make sure did you use the Nottingham address: PO Box 5281, Nottingham, NG2 3HX or Trent House, Station Street, Nottingham, NG2 3HX.

Thanks

[Tinkerbelle]

The P.O. Box

[abi113]

Excuse me for jumping on your thread but how do I calculate interest on the charges I have had (£275) at a rate of 16% interest since October 05?

I have searched FAQ's and made another post but I am still abit lost

Thankyou in advance.

[Tinkerbelle]

Capital One have acknowledged the claim today.

 

Claim Description Punitive Credit Card Charges

Claim Number 6QZ30805

Status of this Claim Acknowledged (Acknowledged(17/05/2006)

[Tinkerbelle]

Letter received today saying that Crapital 1 intend to defend.

 

Signed by a Wendy Starr - Legal Specialist

[Tinkerbelle]

Deleted

[Bovvered]

Capital One have acknowledged the claim today.

 

Claim Description Punitive Credit Card Charges

Claim Number 6QZ30805

Status of this Claim Acknowledged (Acknowledged(17/05/2006)

Well I am exactly 5 days behind you Tink, so I'll follow your thread in anticipation...

[Tinkerbelle]

Received the following snotty letter from Crapital One this morning.

 

===================================================

 

Dear Miss xxxx

Your claim against Capital One Bank (Europe) plc

County Court Claim number 6QZ30805

I write in connection with the above claim you have issued against Capital One Bank (Europe) plc. I have now had the opportunity to investigate your claim for the sum of £446.67 plus a court fee of £50.00. I understand that your claim is in connection with default fees and interest, which we have charged to your account.

It is denied that these charges are unlawful and our default fees are detailed in your terms and conditions and in our customer welcome pack. Our fees are based on the costs we incur when a customer breaks their contract by making a late payment, failing to make payment or goes over their credit limit. The charges are only levied when a customer breaches their contract in this way and can be avoided if payments are maintained and the account kept within the credit limit.

Capital One has acted in accordance with the terms of your credit agreement throughout this matter and it is clear that you have no claim against Capital One. Whilst we do not accept liability for the claim, I am prepared, in an effort to resolve this matter without the need for a court hearing, a refund of the default fees and interest of £446.67. I will also refund the court fee of £50.00. This amount adds up to £496.67, which is the full amount quoted on your claim form.

This offer is made purely as a matter of goodwill and is out forward in full and final settlement of your claim number 6QZ30805. This means you also agree to notify the court of the agreed settlement and we will do the same. If you are happy to accept my offer, please sign the settlement form I have included with this letter and return it to me immediately. Once I have your settlement form back, I will add the refunds to your account and send you a cheque for any credit balance you may have after that.

I look forward to hearing from you shortly in response to this offer and avoid taking up valuable court time.

Yours sincerely

Angelina Wilson

Executive Office

For and on behalf of Capital One Bank (Europe) plc

[Bookworm]

 

 

WOO-HOO!!!!!!!

 

 

 

Tink, you're an old hand now, you know the drill: survey, donation....

 

.

[Spiceskull]

Hey - cool. Dhum, dhum, dhum...another one bites the dust.

[joneshousehold]

Well done Tinks, I'm really pleased for you!

 

Wise words from Bookworm - don't forget the donate button!

[gilly41]

Hi

Well done Tinkerbelle----I am submitting my Court claim today!!!

Hope I do as well as you !!

Take care xx

[Don Quioxte]

it is clear that you have no claim against Capital One.

 

Ya that is why we are refunding you £500. What a paradoxical statement. No, correction, the ninth most preposterous statement I've read on the BAG.

 

Have some of that - well done Tinks!

[Tinkerbelle]

Thanks for all your feedback and comments guys! I'm dead chuffed

 

I can't believe how easy and empowering this whole experience has been. I have been harassing my friends left right and centre to get THEIR money back and been boring them to death about this site!

 

Donation will be on it's way as soon my cheque clears!

 

Two down, Halifax to go.

 

Next, it will be a full pursuit of Barclaycard and HBoS...BRING IT ON!!!!

[Tinkerbelle]

Ya that is why we are refunding you £500. What a paradoxical statement. No, correction, the ninth most preposterous statement I've read on the BAG.

 

Have some of that - well done Tinks!

 

I know...

 

I thought the overall tone of their letter was rather rude....sour grapes eh!

 

Now WHO has got the last laugh?

[hannanshah]

I know...

 

I thought the overall tone of their letter was rather rude....sour grapes eh!

 

Now WHO has got the last laugh?

 

Just got the exact same letter from them offering to settle my £20 + £30 costs. Already had a £40 goodwill refund out of them after my preliminary letter. Halifax have already refunded a £39 charge to me. Currently in litigation against Barclaycard!

[Tinkerbelle]

Hey Good luck with Barclaycard! They too are on my hitlist - but no rush for them at the mo.

 

Halifax have been "served" too, and I'm waiting for my "cash back" any day now

[Spiceskull]

I'd almost forgotten about the 'empowerment' angle...it's hard enough keeping up with all the winners, let alone their emotional responses...but B/C - go get 'em kiddo.

[Janet-M]

CONGRATULATIONS Tinkerbell .It's really good when people let us know they have got their money back

Don;t forget the survey as well as the donate button.