deller1 vs Capital 1 ***WON***

[TUTTSI]

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!!

 

Hi Deller,

Good luck with your claim, mine was deemed served on 9th Dec me. Cap One have aleady acknowledged, they say they are going to defend but no papers served yet or payment. Just checked my account... nothing showing yet.

Regards

DS

[Deller]

Thanks DS, I'm gonna just sit back and try and forget about all this claim stuff for a few days and enjoy my Xmas. Have a good one to and I'll be checking your progress next week!!

[TUTTSI]

You to, enjoy your xmas break and I will let you all know when I get it.

[Trish76]

Hi Deller!!

Happy New Year to you and your family!!

Hope you had a good xmas!!

Trishx

[TUTTSI]

Hi Deller

Happy New Year to you and all on site.

I phoned Capital One on Saturday and my balance had increased, they have refunded the court fees and the interest albeit £9 higher than my claim, but no sign yet of the actual charges being refunded. I fully suspect that this will go on Tuesday evenine when they do their next update. I have not received any letter from them yet but this could come after the holidays. So hold tight, your refund will be on it's way very soon.

Don't forget mine was served early December.

I will let you know when I have received the balance.

Regards and Best wishes

DS

[Deller]

Will be good to know when you receive your full refund as like you say this will give me some sort of idea how much longer I'll have to wait.

 

Happy New Year to you!!

[TUTTSI]

Hi Deller

Just to let you know I have just been paid out by Cap One in full it was finally in my account today.

DS

[Deller]

Great news DS, congratulations, did they get to the stage of entering a defence or was this settlement before even reaching that stage??

[ukaviator]

Well done DS..Good job

 

Uk

[TUTTSI]

Great news DS, congratulations, did they get to the stage of entering a defence or was this settlement before even reaching that stage??

 

Hi Deller

They told the courts they were entering a defence, and promptly paid me in full, mind you they only had a couple of days to go to the deadline so they cut it fine with the Xmas and New Year holidays.

Thanks for your wishes and hope that you get paid out very soon.

Regards

DS

[TUTTSI]

Well done DS..Good job

 

Uk

 

Thanks UK Navigator, could not have done it without the help and support of this amazing site.

[stan5131]

Well done DS and Deller, I'm still watching your progress.

[Grapes]

Hi Deller

Just to ley you know that Cap One managed to squeeze the acknowledgement of service in before the 28th Dec but recieved a letter today saying that as a "gesture of goodwill" the full amount was repaid into the account yesterday! That clears that debt then

Never got as far as a defence

[Deller]

They wont get a chance to do that with mine as I've made sure there's a zero balance on my account!!

 

Well done though Grapes!!

[TUTTSI]

Hi Deller

Just to ley you know that Cap One managed to squeeze the acknowledgement of service in before the 28th Dec but recieved a letter today saying that as a "gesture of goodwill" the full amount was repaid into the account yesterday! That clears that debt then

Never got as far as a defence

 

Hi Grapes

WELL DONE, I got paid earlier this week from CAP ONE but my claim was issued at the beginning of December, so you did brilliantly. My husbands claim against CAP ONE was acknowledged on 21st December and he had not yet been paid out.

DS

[shelter pie]

My claim with Crap 1 went through ok they paid up after the LBA. they already settled down to the £6 moark after the Prelim letter.

[stan5131]

Shelter, are you saying that they gave you the difference between £6 and the charges? If so, you could have stuck to your guns and got the whole lot back. I did this for my son with Capital One and they were pussycats compared to some of the banks on this site. They paid up in full two weeks after filing MCOL. No hassle and they didnt even file a defence.

[Guest Battleaxe]

I am finding Capital One trying to be helpful these days. had a call the other morning asking for himself and I told them that the Executive Office is handling our complaint, the gentleman was polite and even said he would organise for the calls to be stopped. Christine at the Executive stated that she would organise this also. i am waiting for letter on what they propse to do about our claims for unlawful charges. they know we are ready to do prelims on both accounts for full refund of charges. They also admitted that there had never been any problems with our accounts over the years until last September when the rot started withy A & L, the root of all our problems.

[TUTTSI]

Hi Deller

Just to ley you know that Cap One managed to squeeze the acknowledgement of service in before the 28th Dec but recieved a letter today saying that as a "gesture of goodwill" the full amount was repaid into the account yesterday! That clears that debt then

Never got as far as a defence

 

Hi Grapes,

Did you do a MCOL, if you did and went online you would see that they automatically issue a defence so that you cannot be tempted to push the Judgement button. The defence arrived yesterday and the defence was....that they had already settled the claim and that they would defend that position and of course they say that the charges were lawful and that they have only paid it as a GOGW.

DS

[steven age]

hi deller nice to see your close now. just got my cap1 statements through today. gl all

[jazzyb]

apologies for hyjacking but wondered if any one can help, i have posted this as a seperate thread but got no reply, anyhow i have had an offer from cap one which is less than my claim was for, i have accepted as part offer and they have paid it into the card account, when doing my particulars for the court do i claim for the full amount including part payment but state that £x has already been refunded or do i just knock of the amount refunded and claim for the rest?

 

Thanks

[Deller]

Well Cap One were certainly a lot easier than the battle I had with Nat West. Received letter yesterday stating the usual old codswallop about how their charges are fair and reasonable blah blah blah, but in an effort to resolve this matter they are willing to settle the claim in full. Payment will be received within 14 days. So the cheque should be on it's way.

 

They have also stated that if find their charges unreasonable then perhaps I should think about closing the account.............Oh don't worry Cap One, I will be!!

[Deller]

Well I'm still waiting for this cheque to arrive, 14 days will be up on 2nd Feb and the AQ is due to be returned by 5th Feb so unless they get their skates on and stick that cheque in the post I'll be taking things to the next stage.

[stan5131]

If you have to file AQ they know it will cost them another £100. Cant see them not paying up before then.

[Deller]

Well the cheque didn't arrive by Friday, not that I'm at all supprised TBH. The AQ has been posted in time to have arrived at the court yesterday, so yes, it's gonna cost them another 100 quid, serves them right for not sticking to their word.