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Maroondevo52 v Capital One-Help please.


maroondevo52
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I'm just about to claim against Cap 1. Sent all the letters ect.ect.

It's now court time. My problem is I live in Edinburgh and do not know which court I should use. All my correspondance has been with their legal department in Nottingham.

Any help would be appreciated.

 

Thanks.

 

Scott.

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Hi Maroon

Cant you use MCOL http://www.consumeractiongroup.co.uk/forum/bank-templates-library/34887-5-money-claim-line.html dont see any reason why not all done on line.

 

AL.;-)

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

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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Thanks for the reply, but I live in Scotland. Don't think I can claim online without an English or Welsh address!

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

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If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 2 months later...

Hi,

 

I recently served a Summary Cause Summons on Capital One Bank.

They have responded by saying "We hereby give notice of the assignment of the debt due to us from you was sold to Lowell Portfolio 1 Ltd.

Any further communications and payments must therefore be addressed to

Lowell Portfolio 1 Ltd."

What will happen now, surely its Capital One that's due me the charges refund.

 

Any help appreciated.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Not sure that I quite understand what you are doing .:confused: ............ However I take it you are claiming your charges back from Capital One. They have responded by saying that they have sold the debt on, therefore nothing to do with them. :rolleyes:

 

If this is the case, you have your statements from the S.A.R - (Subject Access Request), then I would say that you are legitimately pursuing them for unlawfully applied charges. I see no problems with that.

 

Hope I have followed it correctly .............:cool:

 

Good luck :D:D:D

There is no such thing as impossible; only the degree of difficulty required to achieve the desired outcome.

Read through the

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My advice & opinions are offered informally, without prejudice & without liability. Please use your own judgment.

Halicrap - Full settlement 12/06 £408.34

Crapitol 1 - Settled in Full 27/04/07 £15808-)

All & Pester - Claim served £5695 4/09, Stayed

Woolsnitch mortgage accounts - Claim served £2995 4/09, application to strike out 06/09

Lloybles - No CCA, CPR disclosure notices served.

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Hi,

 

I recently served a Summary Cause Summons on Capital One Bank.

They have responded by saying "We hereby give notice of the assignment of the debt due to us from you was sold to Lowell Portfolio 1 Ltd.

Any further communications and payments must therefore be addressed to

Lowell Portfolio 1 Ltd."

What will happen now, surely its Capital One that's due me the charges refund.

 

Any help appreciated.

 

Regards.

 

Scott.

 

My debt was passed on the a DCA but in the end its Crap One that you want, i would forward the letters to Crap One and also possibly write to LP1 Ltd. When capital One pay, and they will then its up to them to adjust the debt with whoever they sold it to (prob in house firm anyway).

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Summary Cause Summons served on Capital One Bank.

17th January 2007.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi,

 

Just received a nice letter from Capital One Bank(Europe)plc.

Dear Mr xxxxxxxx.

 

I write in connection with the above court claim, which you have issued against Capital One Bank(Europe)plc in relation to fees and interest we have charged to your account.

 

It is denied that these fees are unlawful as they are detailed in your terms and conditions and in our welcome pack.

 

Capital One has acted in accordance with the terms and conditions of your credit agreement throughout this matter and it is clear you have no claim against Capital One.

 

Whilst we do not accept liability for your claim, I have in an effort to resolve this matter without the need for a court hearing, arranged for the full claimed amount of £1,111.94 to be refunded.

 

These refunds are made purely as a gesture of goodwill and we will now defend this claim on the basis that we have refunded your full claimed amount.

 

I hope you are happy with this resolution and I request that you contact the court to let them know about the settlement so we can avoid taking up valuable court time.

 

They hope I am happy.............you bet!

 

Regards.

 

Maroondevo52.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Thanks for that George, superb, thought I might have to wait until

my Return Date of the 13th March. Just hope BOS come back to me soon.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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