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    • Do you want to shake your groove thing but don’t know any steps? Even dad dancing beyond you? Then order ‘Dancing with The Don’ and let Felon Trump teach you all the 'hottest moves Starring classic moves like: whackamole a child, flossing your nostrils, shaking the cell bars, and pointy pointing    
    • Thank you. Please will you repost your images in one single multipage PDF file – the right way round et cetera.  
    • And just to reiterate – I'm sorry if the message above sounds a bit harsh. We have to get the message out to other people who visit this thread as well. I realise that you are having a difficult time and we will do our best to help you, of course
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    • Also I see that you are doing a lot of this on the telephone – and without any written confirmation. This is a big mistake. You need to start taking this matter seriously and so everything should go in writing. If you have telephone calls then they should normally be recorded. Read our customer services guide. You should make notes about every telephone call and then you should send an email to your telephone correspondence confirming what they have said or what they have agreed. It is important that you keep detailed paper trails here. Of course we may be jumping the gun and maybe big motoring world will step up to the mark – but I'm afraid that they have a lousy reputation has you have seen and so you need to start practising survival techniques and protecting yourself. You say for instance in your letter of rejection that the mechanic told you on the telephone that the gearbox needed replacing. Do you have any other evidence of this conversation? This is going to sound a bit harsh – but other people will be visiting this thread as well for their own purposes. You conducted their research about this company before you bought the vehicle. You now are fully aware that this is a company which can be very difficult to deal with and causes a lot of problems for many of their customers and yet you are still taking a telephone/verbal approach. Do I need to say any more? Also one of the documents you put up is an email exchange but it is not clear who is writing to who or what dates. If you showed this email to somebody in a pub they would be asking lots of questions about who sent the first message, who sent the second message, what dates were they sent et cetera. Please think about this before you post things. Please can you clarify the details of that email exchange. Please will you present the information carefully. We are all volunteers here and we have to rely on you to do the spadework
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

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      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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are capital one paying out in full ?


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hi guys,

i've just sent my access request for my statements intending to begin my claim against Cap 1. However, i've heard that recently the credit card companies are attempting to repay only the amount charged over the £12 limit i.e. if you've been charged £20 for a late payment they are only prepared to repay the difference being £8.Is this the case or are they obliged to repay any charge incurred in full after all the initial charges were deemed to be illegal. Anyone had this problem ?

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Yes. A few companies will try and give you back the difference. You should go to the next stage now and ask for it all back.Add up your charges on to the spreadsheet and add any interest. Remember to go back 6 years on your statements. Capital one will try and give you a small amount of your claim back. If they do accept it as partial payment, and that you will pursue them for the rest.

 

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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thanks very much for the advice i,m in the middle of a claim against Alliance & Leicester currently awaiting their defence statement but in the meantime thought I'd do capital one next. will keep you all updated:D

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  • 3 weeks later...

Well I've sent my letter off requesting the statements for the last 6 years and are still waiting a response. I think they will probably go to the 40 day limit before I get anything. Just had a good result with Alliance & Leicester so will be looking for the same with Capital One ;) ;)

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just in case they try delaying things i rang up after a week or so and bleated on about how long is it going to take and recieved the statements 2 days later. ive since recieved 3 more sets of statements!!

HSBC - 11/9/06 - prem letter sent

19/9/06 - lba sent £3391 requested

5/10/06 - MCOL

17/10/06 - offer for £1600 on one account recieved

28/11/06 - Full offer recieved

 

Capital one - 13/9/06 -letter asking for statements sent

17/10/06 - prelim sent for £640

 

Lloyds TSB - 13/9/06 -letter asking for statements sent

17/10/06 - prelim sent fro £732

Lloyds TSB - 26/9/06 - prem letter sent - £391

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im sure it will 2 days ago they did the same with me handy just before christmas if i had bothered getting a pin number for the account! doh!! ill be watching the thread with interest

HSBC - 11/9/06 - prem letter sent

19/9/06 - lba sent £3391 requested

5/10/06 - MCOL

17/10/06 - offer for £1600 on one account recieved

28/11/06 - Full offer recieved

 

Capital one - 13/9/06 -letter asking for statements sent

17/10/06 - prelim sent for £640

 

Lloyds TSB - 13/9/06 -letter asking for statements sent

17/10/06 - prelim sent fro £732

Lloyds TSB - 26/9/06 - prem letter sent - £391

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  • 2 weeks later...

Received my statements in all fairness well within the 40 days period and been through them and the total amount of charges comes to £327:00. So as you can imagine I've just completed my initial letter asking for the full refund. Will keep you all updated on the reply.:p:p

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Absolutely keep going don't accept this offer they are clearly trying it on .Once you get to the moneyclaim stage they will probably fold before any court date is set this is what happened with a claim I had against Alliance & Leicester. Capital One are try it on because they know that many people will accept the initial offer of the difference between the £12 and £20 charges because they don't want the hassle of issuing a moneyclaim , anyway i think its a cheek offerring the difference considering that the charges were illegally taken in the first place. 8-) 8-)

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  • 3 weeks later...

Well totted up my charges which have come to £339:00 over a 6 year period , so on 27th December I sent my initial letter to Capital One asking for my money back plus any interest owed , cos I could do with it after my kids cost me a fortune for christmas.

On 15th January I get a reply letter from everybodys friend Mr Robert Uddy who was full of the usual fanny saying how the OFT have not challenged the right of banks to charge default fees and how Capital One have now reduced their charges from £20 to £12. Well that made me feel a whole lot better and I went to work with a spring in my step knowing that one!!!

Anyway out of the goodness of his heart and on behalf of the multi million pound banking organisation that he works for he has seen it fit to offer me £107:00 goodwill gesture, not that i'm not flattered by this extremely generous gesture but the interest itself comes to £232:00.

So no points for guessing what my reply to Mr Uddys offer is going to be **** *** :rolleyes: :rolleyes: :rolleyes:

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Keep on going.. They will pay you after you file with MCOL..

 

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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Recalculated my figures was never very good at maths but the revised claim now comes to £685.00 including the compounded contractual interest. Sent the LBA on 20th January giving them 7 days to cough up. typed out my official sod off letter to the £107 settlement offer MR uddy offered up as a goodwill gesture which will be sent recorded delivery in the morning. Just wait and see now the ball is in capital ones court. Will give them until the 30th January before starting MCOL. Watch this post!!! ;) ;) ;)

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