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    • I was at court today with a Similar offence - 68 in a variable 40...M62.   I originally Phoned the police camera dept and asked for camera proof including gantry signs showing 40...they sent them and it showed the 40 and my vehicle.   I pleaded guilty, and asked for the single justice procedure thingy.   Came back with possible short term  disqualification, with option for hearing to plead against etc. I asked for a hearing   Finally 11 months after the offence, hearing came through.   Arrived at court, finally was called in.   Offence read out etc and then I had a chance to put forward orally my personal mitigation etc. (Remorse, I was stupid, wont do it again,  need license for work as live in rural area etc, first offence, good character standing)   Today the magistrates were kind...6 points and a fine...something like £450 plus £85 costs (cant remember the exact amount but was around £535 if greatly different will repost.  Have 14 days to pay, they will send me the amount etc.   I feel very lucky today, could have been worse.  Good luck with your case.  
    • I should have added the above links are for  landlines and mobiles there are plenty of free and paid for apps android and iphones to block calls.
    • Hi I got a tent from go outdoors,   over £1000 for tent porch carpet  and footprint and it was faulty, so they exchanged it, it was only 2 weeks old,  so I got another tent tht to was faulty, I have pictures of the faults,  but this time they weren't happy to exchange but they did,  then I got a vanguard 8 ,  and when we were on holiday the rain was coming through the material of the tent, holes in the stitching and the zip kepted breaking, so 2 days into our holiday we came home to change the tent and go back and finish our holiday,  but they refused, this tent was only9 days old.  So we left the store phoned head office and they said "go back to store and give them another chance to sorte this out!"  So we did and the manger was worse this time, to ring head office he didn't want to. I have a proof of a call from head office for 40mins and the manager was implying to head office I was lying about a phone call  and head office have on record of them phoning me , the manager asked me to leave the store or he will phone the police   so I told him to get the police,   while waiting for the police  a customer was returning a tent and when asked from the store what's wrong with it, they said""nothing it's to hard to put away"  so asked the manager how is tht right when my tent is faulty and u wont exchange,   he told the police I was threatening a customer,  I never spoke to the customer, I also told them I am autistic,   The manager lied to the police and the police attuided to me was horrendous and I told them  repeatedly told I was autistic,   I have video evidence of my arrest,  What are my legal rights to a new tent,  any help will be greatly appreciated thank u,   am also dyslexic,  sorry if some of this doesn't make sense ,  I've loads more to tell on this whole situation xx I was arrested for not leaving the store until I had a resolution  All the tents where hi gear  Also I told the manager tht we where on holiday to rest as we've just had 4 weeks of hell with my daughter as shes now in hospital safe,  so we went away for 5 days knowing she was safe ,  and why woul we come home early and try to change a faulty tent,  and go back to our holiday if it wasn't faulty they weren't interested   I've been having meltdowns really bad this x  Also I was released from the police 2hrs later WITHOUT  been Interviewed and NO CHARGES I've had a email today saying because of my being banned from the store I can have a refund   I've sent them emails asking questions and they will answer the email but wont answer my questions and now they saying as a good will gesture they will refund me  But I only have until friday which is 1 day to accept the return and if I dont they will not refund me  And am so distressed ,  Am I right the if a item is faulty you have 28 days to a full refund 
    • Thanks dx I did read these post but wasn’t sure if they ended well.   I suppose it depends on how nervous it would make the buyer, and if their solicitor was happy to play ball.
    • the 120 days runs from when he discovered he could use chargeback. that must be within 540 days of the relevant card transaction. sadly halifax are useless everytime over chargeback  and never get things right.
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Steve v Capital One Credit Card


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Recommended Posts

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

Some useful links.

FAQ's

Making Posts

Letter Template Library

Bank Contact Details

AQ Guide to Completion

Court Fees

Data Protection non Compliance

Witness Statements for Court Bundle

Banking Code Website

Limitations Act

Fast Track Costs

A-Z Index

Mis-Claim Tutorial

Step By Step Instructions

 

Remember: The Ark was built by amateurs-The Titanic by professionals.

 

Please click my scales if you find my advice helpful !

 

If your claim is successful, please donate 5% so that it can continue to help others.

 

Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

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

 

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

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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 . . . .

Some useful links.

FAQ's

Making Posts

Letter Template Library

Bank Contact Details

AQ Guide to Completion

Court Fees

Data Protection non Compliance

Witness Statements for Court Bundle

Banking Code Website

Limitations Act

Fast Track Costs

A-Z Index

Mis-Claim Tutorial

Step By Step Instructions

 

Remember: The Ark was built by amateurs-The Titanic by professionals.

 

Please click my scales if you find my advice helpful !

 

If your claim is successful, please donate 5% so that it can continue to help others.

 

Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

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

 

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

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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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Share on other sites

I think it's Vamps spreadsheet 13 . .

Some useful links.

FAQ's

Making Posts

Letter Template Library

Bank Contact Details

AQ Guide to Completion

Court Fees

Data Protection non Compliance

Witness Statements for Court Bundle

Banking Code Website

Limitations Act

Fast Track Costs

A-Z Index

Mis-Claim Tutorial

Step By Step Instructions

 

Remember: The Ark was built by amateurs-The Titanic by professionals.

 

Please click my scales if you find my advice helpful !

 

If your claim is successful, please donate 5% so that it can continue to help others.

 

Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

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

 

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

Link to post
Share on other sites

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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