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deller1 vs Capital 1 ***WON***


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Thought I'd better start a new thread here with regards to my claim against Capital One, already claiming against Nat West and at a pretty advanced stage but better to keep the two issues separate.

 

Sent my S.A.R. on 18th October and received copies back of all my statements last week Went thrugh them with a highlighter and totalled up charges of £626 with regards to Overlimit fees and Late Payment fees. Should be a nice little payout once things progress.

 

Preliminary letter posted on 20th Nov 2006, so the 14 day countdown has started before I send my LBA, hopefully this claim will be a little easier than my NW one, and hopefully a little quicker.

 

I've got quite a bit experience of this site now which should certainly help me with this claim.

 

MBNA are next, but that'll be a nother story!!:)

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Does anyone know how long this takes with Cap One, at what sort of stages are their offers coming and how long before the payout!

  • Haha 1

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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  • 2 weeks later...

Well the 14 days passed with no response whatsoever, was a little supprised at this as most other people seemed to have recieved some sort of reply. LBA was sent yesterday along with schedule as a result of this.

 

Today however, the response arrived......this seems to have started in a very similar manner to my NW claim......late in responding. The letter was for apartial offer of £248.....a little short of the £626 requested.

The later stated:-

 

As you're probably aware the Office of Fair Tading, (OFT), are not challenging the right of banks to charge default fees, but merely the level of those fees. I'm afraid we won't give you a full breakdown of our costs to reassure you they're fair as this is confidential business information. We're continuing to work with the OFT at the moment to resolve their issues.

 

Although we feel £20 is a just fee, we have reduced our charges to £12 so we are in line with our competitors. I appreciate that you have incurred previous fees at the higher rate, and would like to address this.

 

I've reviewed your account and, as a matter of of goodwill, I'd like to reduce the fees we've added to £12 each, so I'd like to offer a refund of £248, if you'd like to accept this please sign and return the settlement form enclosed with this letter, I'll action your refund as soon as I receive it.

 

Well for starters they are refusing to let me have a breakdown of their charges....is this allowed?

 

Is this deemed to be a fair offer the difference between old fees and the new reduced ones?

 

I'm not really up to speed with the Credit Card claims as I've been soooo busy sorting out my NW one, do they tend to pay-up the full amount in the end, or should I just accept?

 

Any advice would be much appreciated.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Should I send a letter declining their offer even though I've already sent my LBA??

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Hi Deller

 

You should accept the offer as part payment only and that you will be pursuing them for the rest. There is a letter in the templates library for the next letter. The banks refuse to give out the real cost to them as it is commercially sensitive information as they say, so you won't get that info.

Send your new letter giving them 14 days before you start action. The LBA and your new letter will have a simular timescale if you post it today.

 

Good luck

 

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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Cheers UK.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Ha,found yah!!!!lol:D

I wish you all the best of luck with this lot!!!!

Take care for now and see you in the bear garden lol.

Trishx

If my advice has helped please click my scales

 

Should you require any further help feel free to pm me.

Nat West 2nd Acc

Prelim letter sent 8th Feb '07

:) Full Settlement Offer 24th Feb '07:)

:pMONEY BACK IN ACC ON MARCH THE FIRST '07:p

 

 

Nat West 1st Acc

Filed at court 2nd of Feb '07

Acknowledged on 15th of Feb '07

:rolleyes: Defence submitted 1st March 2007 :rolleyes:

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Hey Deller

Good luck with your claim. Keep at it hun xxx

Nona

[CENTER][SIZE=2][I][COLOR=DarkOrange]Any advice offered is only my opinion, based on my experience with my claim [/COLOR][/I][/SIZE] [SIZE=3][COLOR=Blue][SIZE=2] I won my case because[/SIZE] I READ THESE FIRST[/COLOR][/SIZE] [URL="http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/"][COLOR=red]http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/[/COLOR][/URL] [/CENTER] [FONT=Comic Sans MS][SIZE=1][COLOR=magenta][COLOR=Black][SIZE=3]Halifax[/SIZE][COLOR=YellowGreen]-[/COLOR][/COLOR][B][SIZE=4][COLOR=Red][COLOR=YellowGreen]SETTLED IN FULL[/COLOR] :D:D:D[/COLOR][/SIZE][/B][/COLOR][/SIZE][/FONT][FONT=Comic Sans MS][SIZE=1][COLOR=magenta] [COLOR=SeaGreen]Prelim letter sent [COLOR=Black]10/07/06[/COLOR] Moneyclaim issued [COLOR=Black]07//08/06[/COLOR][/COLOR] [COLOR=Red]Settled in full[/COLOR] [COLOR=Black]15/08/06 [SIZE=2] [/SIZE][/COLOR][/COLOR][/SIZE][/FONT][CENTER][FONT=Comic Sans MS][SIZE=1][COLOR=magenta][COLOR=Black][SIZE=2][COLOR=DarkOrchid][SIZE=1]Survey completed. Donation made[/SIZE].[/COLOR][/SIZE][/COLOR][/COLOR][/SIZE][/FONT] [/CENTER] [CENTER][FONT=Comic Sans MS][SIZE=2][COLOR=magenta][COLOR=Black][COLOR=Navy]Thanks to Dave and Bankfodder, and all who have given their time and advice[/COLOR]:)[/COLOR][/COLOR][/SIZE][/FONT] [/CENTER] [FONT=Comic Sans MS][SIZE=1][COLOR=red][COLOR=Black]Co-op Bank Visa[/COLOR] Settled after LBA (only £61 but hey ho, every penny counts) [/COLOR][/SIZE][/FONT][FONT=Comic Sans MS][SIZE=1][COLOR=#00bfff] [/COLOR][/SIZE][/FONT]

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I really can bonk and type - in fact doing ot rhit nwo

rgarsd Sandbag.

 

Is that why your typos are so bad??

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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:o Really. . you must pay attention when filling in your claim letters.

 

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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  • 2 weeks later...

Well 14 days from LBA are up....well actually I've given them an extra day. I'm ready to file my claim through the courts and will do this through MCOL as it's a little awkward for my to get to the courts.

 

Just want to check a couple of things before firing it off, firstly is this the correct address to use when submitting my claim:-

 

Capital One Services Inc

Trent House

Station Street

Nottingham

NG2 3HX

 

Secondly, for my POC I assume it's OK to use the same version that I would for making a claim against a bank.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/34887-5-money-claim-line.html

 

Or do I need to edit this in any way??

 

Thanks in advance.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Hiya dellar

 

Here we go agin honey!!!

 

Im really surprise at the way this has turned out for you as Ive completed a few claims aginst Cr*p1 and they all followed the same suit.

 

1. Have you checked you statements - as they usaully just stick the

refund directly onto the card whether you except it or not?

 

2. They usally refund all the charges down to the £12 Oft limited after Prelim - does that fugure equate to your offer?

 

3. Usually get snotty leter refunded the remainder after LBA.

 

4. Did you send your letter recorded? Im not one for giving any bank or CC extra time but my thinking is, its not like them to not repsond so maybe your letter has a - gone astray or b - been held up in xmas post.

 

Itmaybe worth phoning them just to find out if they have received your LBA - I would hate for you to start a claim if they have not received your LBA.

 

However if all of above checks out - then let the games begin!!!!!!

 

The POC that are outlined in thelibraries are perfectally fine Ive just had a quick look at them and cant see why you would have to amend them - its just says account and not bank account, so its all the same thing.

 

Good luck

  • Haha 1

Allyxia

KEEP FIGHTING FOR YOUR MONEY - EVEN WHEN IT GETS TOUGH

The Banks are somewhere which lends you an umberella when it is sunny, and takes it away when it rains

 

HSBC £1200 - Settled in Full

Cap 1 2 X £100 - Settled in Full

Nationwide £1641 - Settled in Full inc Default and CCJ Removed by Court Order

NatWest £2215.60- Settled in Full and Removed Default Natice

Woolwich £3690 - Settled in Full

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1. Have you checked you statements - as they usaully just stick the

refund directly onto the card whether you except it or not?

Havn't had statement for a while, but know my balance is zero so could phone to see if there's been any activity on account.

2. They usally refund all the charges down to the £12 Oft limited after Prelim - does that fugure equate to your offer?

Yes this figure does equate to my offer.

 

3. Usually get snotty leter refunded the remainder after LBA.

Not yet!!

 

4. Did you send your letter recorded? Im not one for giving any bank or CC extra time but my thinking is, its not like them to not repsond so maybe your letter has a - gone astray or b - been held up in xmas post.

Letter was sent recorded and I've just checked on Royal Mail website where it states it left the Nottingham office on 8/12/06 - no POD available though!! Perhaps I should give them a couple more days - 14 days from delivery will be 22nd???

 

Itmaybe worth phoning them just to find out if they have received your LBA - I would hate for you to start a claim if they have not received your LBA.

They've definately got it, just a little later than I thought - I posted LBA on the 5th!!

However if all of above checks out - then let the games begin!!!!!!

Well this is what I want.......I'm eager to get the 8% too.

 

 

What about the address Ally???

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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No stopping you now eh Dellar?

 

Taken off their website

 

Write To Us:

Capital One Card Services

P.O. Box 5283

Nottingham

NG2 3YJ

 

Capital One Bank (Europe) plc : Registered office 350 Euston Road, London NW1 3JJ.

Registered in England and Wales Company Number 3879023. VAT Registration Number 690 6861 01.

If you have a complaint:

Our Executive Office deal with complaints. You can write to them at:

Executive Office

Capital One

PO Box 5281

Nottingham

NG2 3HX

Consumer Health Forums - where you can discuss any health or relationship matters.

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Well I've just phoned Cap One and the balance on my account is still zero, so they havn't been crafty beggers and refunded their offer without me knowing.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Sorry dellar - for some reason despite my previous posting this thread did not link to my user CP!

 

It looks like you have your answers now though!

 

With regards to the other poster about excepting part payment - sometime you do not have a choice as they automatically pay it back onto the card!!!! So you are only aware you haev been paid sometime after the letter informing you has been delivered and account has been credited!

Allyxia

KEEP FIGHTING FOR YOUR MONEY - EVEN WHEN IT GETS TOUGH

The Banks are somewhere which lends you an umberella when it is sunny, and takes it away when it rains

 

HSBC £1200 - Settled in Full

Cap 1 2 X £100 - Settled in Full

Nationwide £1641 - Settled in Full inc Default and CCJ Removed by Court Order

NatWest £2215.60- Settled in Full and Removed Default Natice

Woolwich £3690 - Settled in Full

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You have been as helpful as ever Ally, I will have to buy you a rather large......and strong......drink sometime!!

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Well I've filed my claim with MCOL today, don't see why I should give any time extensions, would they, I think not!!

 

Nice to get that out the way before Xmas, I know nothing will happen for a while yet so I can now sit back, eat, drink and be Merry!!

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Hi Deller

Been reading your fight with Nat West (We have 2 on the go with NW at the mo, so may be contacting you for help!)

Just to let you know that THIS bunch are as mad as a box of frogs.

We have had the most amazing experiance with them, sent to DCA then taken back from DCA (although Cap 1 said we were still with the DCA as they were saying "No"!) then off to another DCA and back again, all while we trying to sort out what they owed us AMICABLY :p .

Gave up in the end and filed, claim needs acknowledgement by 28th or thats it,we win :D

Gets on your nerves doesnt it ....

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Hi Deller

Been reading your fight with Nat West (We have 2 on the go with NW at the mo, so may be contacting you for help!)

Just to let you know that THIS bunch are as mad as a box of frogs.

We have had the most amazing experiance with them, sent to DCA then taken back from DCA (although Cap 1 said we were still with the DCA as they were saying "No"!) then off to another DCA and back again, all while we trying to sort out what they owed us AMICABLY :p .

Gave up in the end and filed, claim needs acknowledgement by 28th or thats it,we win :D

Gets on your nerves doesnt it ....

 

 

It certainly does get on your nerves, but if you've read my NW thread then you'll know a few minor problems aint enough to put me off!!

 

If you need any help with your NW claim then give us a shout, I may to call on you regarding this Cap One claim.....;)

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Notice of issue received yesterday stating my claim will be deemed served on 27th Dec and that the defendant has until 10th Jan to reply!!

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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