EmmaJacques161 v Capital One ***SETTLED IN FULL***

[emmajacques161]

Hi guys,

 

Here's an update. I recieved notificaction from MCOL that Capital One would be served with the court claim on 11th November and they would have till 25th to achknowledge, as yet I haven't heard anything. I have been checking MCOL and it hasn't changed since the claim was issued. :-|

 

Does it usually take this long to hear back? I'm worried incase they decide to take me to court!!:o

 

Anyone have any words of advice?

[technique1966]

Can take a while, for example the timescale on mine was

MCOL issued 19/10

Served 24/10

Acknowledged26/10

then MCOL stayed the same till yesterday when it altered to say a defense had been entered.

Received paperwork from court and Cap One that the defense was that the amount claimed had been paid. I too was getting aprehensive as everyone else posting seemed to be getting their claims sorted out and nothing was happening with mine.

[emmajacques161]

Sorry haven't updated for a while.

 

Have recieved notification that Capital One have achknowledged on 17th November and intend to defend all the way!! Fingers crossed I should have a big fat cheque soon!!!

 

Em x

[emmajacques161]

I have recieved a copy of the achknowledgment from the legal dept of capital one, My question is should I send the legal dept another copy of the schedule of charges? I sent the court a copy to be included.

[Michael Browne]

When you receive the Notice of Acknowledgement send a copy to the bank’s solicitors

.

 

Yes.

[emmajacques161]

Ok Guys,

 

Here is the latest update, when I check MCOL I am presented with this little piece of info:

Defence

You are unable to take any further action online on this claim.

 

The Defendant disputes the whole amount you have claimed. Your claim cannot proceed online and will be transferred to the appropriate court for continuation. You will receive confirmation to where the claim has been transferred to shortly.

 

 

I am now very nervous incase I am the one person that is made an example off!

 

Is anyone at a similar stage to me?

 

I am in need of some reassurance here!!

 

Em x x

[doyin22]

This is standard procedure. I had the same thing then Capital one lawyers contacted me and offered full refund, which they have made.

[emmajacques161]

Doyin22,

 

How long did you have to wait for your money after defence was entered?

 

getting so nervous and excited!

[doyin22]

I sent a letter asking them to settle without further expense to them and i would close the case, this was agreed and payment made within three weeks howevr, they refused to remove the default so am still taking them to court.

 

I sent the letter to:

Legal department,

Loxley House

Station Street

Nottingham

[emmajacques161]

I may try that then, do you have a template of the letter you sent? Thanks for your help so far!

[emmajacques161]

I have recieved a letter from capital one informing me that as a gesture of goodwill and without admission of liability they are refunding the full amount of my claim!!!

 

I also had a copy of the defense in the post!!

 

Do I need to send a letter back or do I wait for the cheque which they say they sent on 28th Nov?

 

Can some lovely mod change this to Won?

[Michael Browne]

Excellent!!

 

Please complete the bank survey……….and maybe a donation.

 

See here for advice after settlement:

http://www.consumeractiongroup.co.uk/forum/general/7261-when-you-get-your.html

 

Congratulations. Enjoy the dosh!!!

[technique1966]

I'd wait for the cheque before informing court if I was you. Still waiting for my cheque after receiving the same letter dated 15/11. Time for a phone call tomorrow I think.

Oh yeah congratulations on the win.

[emmajacques161]

Thanks, I will def donate to this fantastic site!!

 

But do I need to confirm anything in writing or just sit and wait?

[technique1966]

To my knowledge the only thing you need to do is wait for your cheque from Cap One and then inform the court that you do notwish for your claim to proceed.