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Steve v Capital One Credit Card


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Howdy Doody!

 

Righto, thought I'd best start a thread to map my claim with these guys!!

 

19th October 2006.............S.A.R - (Subject Access Request) Letter Sent via Recorded Delivery

 

17th November 2006...........SAR Recieved

 

20th November 2006...........Prelim sent for £1,467.00

 

 

My claim with capital one includes contractural interest at their rate on my credit card.

 

Will keep you updated with this one as it progresses!!

 

Cheers

 

Steve.

Lloyds

19-10-06- S.A.R Letter

Prelim 20-11-06 £10,492

LBA - 2/12/06

Cap 1

19-10-06 - S.A.R Letter

Prelim 20-11-06 £1,467

LBA 2/12/06

WON-Settled in Full

AMEX

19-10-06 -S.A.R Letter.

Prelim - 20-11-06 £697

LBA - 2/12/06

Morgan Stanley

19-10-06 - S.A.R Letter

Prelm 20-11-06 £1580

23-11-06. £1076 offered.

4-12-06 - LBA

Won-£1580 14-12-06

MBNA

19-10-06 - S.A.R Letter

20-11-06 Prelim

WON-£4010

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hi, glad you getting on with your claim, could you tell me what address you sent your prelim to as im unsure if ive sent it to the right place or not? thanks

Barclaycard:- S.A.R sent

Statements received

LBA sent

 

 

NatWest:- S.A.R sent

Statements received

 

 

Studio Cards:- S.A.R sent

Statements received

 

 

 

Marbles:- S.A.R sent

Statements received

LBA sent

Goodwill offered £125.00 (today)

 

 

 

Capital one:- S.A.R sent

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will check when I get home tonight.

 

cheers

Lloyds

19-10-06- S.A.R Letter

Prelim 20-11-06 £10,492

LBA - 2/12/06

Cap 1

19-10-06 - S.A.R Letter

Prelim 20-11-06 £1,467

LBA 2/12/06

WON-Settled in Full

AMEX

19-10-06 -S.A.R Letter.

Prelim - 20-11-06 £697

LBA - 2/12/06

Morgan Stanley

19-10-06 - S.A.R Letter

Prelm 20-11-06 £1580

23-11-06. £1076 offered.

4-12-06 - LBA

Won-£1580 14-12-06

MBNA

19-10-06 - S.A.R Letter

20-11-06 Prelim

WON-£4010

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  • 2 weeks later...

No reply from Prelim. (It went recorded, and never came back, so I'm assuming they got it!)

 

LBA sent yesterday, via recorded, to the same address...

 

Not a single reply from these guys as of yet. Ignorant pigs. I guess they're hoping I'll go away....

 

oh so wrong.....

 

MCOL only 14 days away....

Lloyds

19-10-06- S.A.R Letter

Prelim 20-11-06 £10,492

LBA - 2/12/06

Cap 1

19-10-06 - S.A.R Letter

Prelim 20-11-06 £1,467

LBA 2/12/06

WON-Settled in Full

AMEX

19-10-06 -S.A.R Letter.

Prelim - 20-11-06 £697

LBA - 2/12/06

Morgan Stanley

19-10-06 - S.A.R Letter

Prelm 20-11-06 £1580

23-11-06. £1076 offered.

4-12-06 - LBA

Won-£1580 14-12-06

MBNA

19-10-06 - S.A.R Letter

20-11-06 Prelim

WON-£4010

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  • 2 weeks later...

Righto.

 

I've had two responces from these guys. The same letter, sent twice! Offering £300 odd quid (they've taken over £940!). Tried to call them to discuss, and guess what. The Complaints dept doens't accept, or make phone calls. Also, the fax number they give doesn't accept faxes! (failed 5 times)

 

And the only number you get is a off-shore (inda or somewhere!) call centre, who are about as helpful a chocolate fireguard!

 

MCOL on Monday.

Lloyds

19-10-06- S.A.R Letter

Prelim 20-11-06 £10,492

LBA - 2/12/06

Cap 1

19-10-06 - S.A.R Letter

Prelim 20-11-06 £1,467

LBA 2/12/06

WON-Settled in Full

AMEX

19-10-06 -S.A.R Letter.

Prelim - 20-11-06 £697

LBA - 2/12/06

Morgan Stanley

19-10-06 - S.A.R Letter

Prelm 20-11-06 £1580

23-11-06. £1076 offered.

4-12-06 - LBA

Won-£1580 14-12-06

MBNA

19-10-06 - S.A.R Letter

20-11-06 Prelim

WON-£4010

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  • 1 month later...

Righto!

 

Been off the radar a while, split up with a seriously nutty girlfriend!

 

Anyway, back on track now. Capital One (Mr Uddy!) only would offer £385 in full and final settlement!

 

Filled in N1 form yesterday and popped it along (3 copies!) with cheque for £120 to Watford County Court.

 

Details:

 

Charges: £980.00

Interest (contractual): £822.26

Court Fee: £120

 

Total: £1922.26

 

 

Just gotta sit back and wait I guess! :)

 

Cheers

 

Steve.

Lloyds

19-10-06- S.A.R Letter

Prelim 20-11-06 £10,492

LBA - 2/12/06

Cap 1

19-10-06 - S.A.R Letter

Prelim 20-11-06 £1,467

LBA 2/12/06

WON-Settled in Full

AMEX

19-10-06 -S.A.R Letter.

Prelim - 20-11-06 £697

LBA - 2/12/06

Morgan Stanley

19-10-06 - S.A.R Letter

Prelm 20-11-06 £1580

23-11-06. £1076 offered.

4-12-06 - LBA

Won-£1580 14-12-06

MBNA

19-10-06 - S.A.R Letter

20-11-06 Prelim

WON-£4010

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That's it Steve. You just have to wait. Should'nt be too long now.

 

Uk

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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  • 3 weeks later...

had the original N1 returned by the courts, as I paid the fee with a third party cheque, so slight delay in issue.

 

Deemed as served on 14th Feb 2007 - Happy Valentines Day CAP 1!!!

Lloyds

19-10-06- S.A.R Letter

Prelim 20-11-06 £10,492

LBA - 2/12/06

Cap 1

19-10-06 - S.A.R Letter

Prelim 20-11-06 £1,467

LBA 2/12/06

WON-Settled in Full

AMEX

19-10-06 -S.A.R Letter.

Prelim - 20-11-06 £697

LBA - 2/12/06

Morgan Stanley

19-10-06 - S.A.R Letter

Prelm 20-11-06 £1580

23-11-06. £1076 offered.

4-12-06 - LBA

Won-£1580 14-12-06

MBNA

19-10-06 - S.A.R Letter

20-11-06 Prelim

WON-£4010

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had the original N1 returned by the courts, as I paid the fee with a third party cheque, so slight delay in issue.

 

Deemed as served on 14th Feb 2007 - Happy Valentines Day CAP 1!!!

 

Keep us posted!!

Just hate every DCA out there

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  • 3 weeks later...

Letter from Capital One today. Settled in Full. With Contractual interest (as a matter of good will I guess!!)

 

So Now I guess I've just got to write to the court and tell them Capital One have settled! - Anyone got a template for that??!

Lloyds

19-10-06- S.A.R Letter

Prelim 20-11-06 £10,492

LBA - 2/12/06

Cap 1

19-10-06 - S.A.R Letter

Prelim 20-11-06 £1,467

LBA 2/12/06

WON-Settled in Full

AMEX

19-10-06 -S.A.R Letter.

Prelim - 20-11-06 £697

LBA - 2/12/06

Morgan Stanley

19-10-06 - S.A.R Letter

Prelm 20-11-06 £1580

23-11-06. £1076 offered.

4-12-06 - LBA

Won-£1580 14-12-06

MBNA

19-10-06 - S.A.R Letter

20-11-06 Prelim

WON-£4010

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congratulations slh

 

enjoy the money :)

 

p.s. don't inform the court that it's settled until you've got the cheque and it's cleared

"Banks are people that will lend you an umbrella when it's sunny, but demand it back the minute it starts raining"

 

Brad v Halifax

22/08/06 - Preliminary Letter sent requesting full repayment of charges

06/09/06 - LBA sent to bank

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wtg congrats makes me feel a bit better for claim contractual interest now as youve had yours paid woo hoo

WHEN THE WORLD GETS IN MY FACE I SAY HAVE A NICE DAY :lol:

 

MY SUCCESSESS

HSBC £5,735.35 :D

MUM IN LAW £2112.00 WIN FROM HALIFAX :grin:

MUM £3580.00 WIN FROM NatWest :grin:

AUNTIE 2 NATWEST WINS £1865.00 AND £2541.00

EQUITA BAILIFFS £293.00 REFUND :grin:

MBNA £871.16 WON WITH CI AT 24.49%

WELCOME FINANCE CHARGES £600 APPROX didnt even need letter lol

CAP ONE WON WITH CI AT 29.9% £994.26

 

CLAIMS ON THE GO AT MO

mbna ppi

NatWest cc at mcol (ppi next)

welcome ppi

first response charges

 

IF I HAVE HELPED IN ANY WAY HIT THE SCALES IN BOTTOM LEFT CORNER THANK YOU ;)

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I nabbed this one of this site from somewhere i think.

 

Ref. Claim number: xxxxxxxxxxx (your name-v-Bank )

The Court Manager

Dear Sir/Madam,

I am writing to you to inform you that the above case has been settled and I now consider the claim the to be closed.

Yours Faithfully,

 

 

Your name

  • Haha 1
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that'll do nicely!

 

Thanks

 

Steve.

Lloyds

19-10-06- S.A.R Letter

Prelim 20-11-06 £10,492

LBA - 2/12/06

Cap 1

19-10-06 - S.A.R Letter

Prelim 20-11-06 £1,467

LBA 2/12/06

WON-Settled in Full

AMEX

19-10-06 -S.A.R Letter.

Prelim - 20-11-06 £697

LBA - 2/12/06

Morgan Stanley

19-10-06 - S.A.R Letter

Prelm 20-11-06 £1580

23-11-06. £1076 offered.

4-12-06 - LBA

Won-£1580 14-12-06

MBNA

19-10-06 - S.A.R Letter

20-11-06 Prelim

WON-£4010

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Well done. . . congratualtions . . . .

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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hello

 

sorry to join in but is there a prelim letter that i could use with my claim against cap one with contractual interest??? im not sure how to word the letter!!!! or may pinch the words you used on your prelim letter!!!!

 

Any help would be greatful, thanks!!

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hello

 

sorry to join in but is there a prelim letter that i could use with my claim against cap one with contractual interest??? im not sure how to word the letter!!!! or may pinch the words you used on your prelim letter!!!!

 

Any help would be greatful, thanks!!

 

 

PM me your email address, and I'll send it to you.

 

:)

Lloyds

19-10-06- S.A.R Letter

Prelim 20-11-06 £10,492

LBA - 2/12/06

Cap 1

19-10-06 - S.A.R Letter

Prelim 20-11-06 £1,467

LBA 2/12/06

WON-Settled in Full

AMEX

19-10-06 -S.A.R Letter.

Prelim - 20-11-06 £697

LBA - 2/12/06

Morgan Stanley

19-10-06 - S.A.R Letter

Prelm 20-11-06 £1580

23-11-06. £1076 offered.

4-12-06 - LBA

Won-£1580 14-12-06

MBNA

19-10-06 - S.A.R Letter

20-11-06 Prelim

WON-£4010

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  • 4 weeks later...

what interest rate did you claim? was it 34.4%

OK I GIVE IN

 

Halifax £3600 charges, won with C/I £6400

 

NatWest S.A.R-05/06/06

Bug**r all recieved 03/11/06

Prelim guesimate sent for £3000 03/11/06

Cr*p one CONNED statements 08/06 ROFLMAO

Cr*p one charges=£976

con int 34.9% £1,003.75 £1,979.75.

 

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Can I just ask a quick question: I think I'm being stupid but I cant get my head around what spreadsheet to use to work out the contracual compound interest. Please could someone point me in the right direction, do you have to change the percentage from what its showing to 34.4% ???

 

Any help would be appreciated.

 

Well done with your claim.

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Yes, that was the rate (bloody high too, innit?!!)

Lloyds

19-10-06- S.A.R Letter

Prelim 20-11-06 £10,492

LBA - 2/12/06

Cap 1

19-10-06 - S.A.R Letter

Prelim 20-11-06 £1,467

LBA 2/12/06

WON-Settled in Full

AMEX

19-10-06 -S.A.R Letter.

Prelim - 20-11-06 £697

LBA - 2/12/06

Morgan Stanley

19-10-06 - S.A.R Letter

Prelm 20-11-06 £1580

23-11-06. £1076 offered.

4-12-06 - LBA

Won-£1580 14-12-06

MBNA

19-10-06 - S.A.R Letter

20-11-06 Prelim

WON-£4010

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I think it's Vamps spreadsheet 13 . .

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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great thats what i'm going for lol

OK I GIVE IN

 

Halifax £3600 charges, won with C/I £6400

 

NatWest S.A.R-05/06/06

Bug**r all recieved 03/11/06

Prelim guesimate sent for £3000 03/11/06

Cr*p one CONNED statements 08/06 ROFLMAO

Cr*p one charges=£976

con int 34.9% £1,003.75 £1,979.75.

 

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