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    • Hi All. A family friends car was having issues when she was on a trip visiting family up north at the begining of January.  She ended up leaving it at my friends garage in the same location, who parked it on his forecourt to investigate the issue, howver he said most likely it is beyond economical repair as its a serious gearbox fault. In the meantime i replaced her car with one of my spare cars. The insurance on the car then expired in at the end of January.  When the insurance expired, I sent a paper V890 paper as i didnt have her V5 Reference number in hand to do it online (i have a copy of this).  She didnt mention she hadnt recieved any confirmation as she didnt know if she would get one.  She then cancelled her road tax at the end of March (i think) as she was paying by DD. She then was travelling up north so didnt get her ,ail until last week. She recievd a letter dated 09/04/2024 stating she had failed to insure the vehcile and there was a £100 fine which could be reduced to £50 if she respons by 11/05/2024.  As soon as we noticed, i got her to dig  out the V5 and SORN'd the vehicle.   My friend has been a bit slow in checking the fault, however i suspect it will still be scrapped and is still on his forecourt. Is this possible to appeal?
    • worthy to not forget Just to let you know this bunch Kensington have been fined £1.225m by the financial regulator for treating borrowers who were in arrears unfairly. Claim those charges back plus the interest and tell them not to add any more to the account. There are a few news stories here you can get the info for a letter to send to them. http://news.bbc.co.uk/1/hi/business/8615870.stm  
    • Hi All. I went to visit a family friend in Rochdale on a new housing estate opposite a old row of houses. The location is Royle Road, Postcode OL11 3PE. I was originally parked in parking bays outside the old houses, then moved the car, when I noticed my tyre was flat, so parked on what looked like double yellows to use his air pump to check and inflate the tyres before we left the house.   In the time i went inside to sort the pump and power supply i got a PCN.  The tyre then got changed (has a puncture) and we left. PCN Number:         RE######## Date:             04/05/2024 Time:             20:36 Observation:         20:34 to 20:36 Reported location:     Royle Park Road Reason:        Parked in a restricted street during prescribed hours (Code: 01) I believe this PCN is not correct and has grounds to appeal: 1. My friend who moved into the property around 6 months ago, swears that even though it has old double yellows marked, they are not current or council marked.   He said the property development company had said they had marked them for ease of access during development. 2. The road i was parked on was Royle Road.  The PCN was issued for Royle Park Road, which is about 400 yards up the road. 3. There are no sign posts or marking showing parking  restriction hours in the entire area (there maybe on Royle park Road). I have attached a map of the Location where i parked as a red dot. I have 2 questions: a.  Is there a way to check where double yellow lines are marked on some register to check if they are current? b. Can my grounds of appeal simply be, wrong location, wrong offence? Thanks in advance. Map_20240505.pdf
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Litigation Started With Cap One **SETTLED**


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Hi Guys

I hope someone can help me with a few pointers.

 

Just getting my claim together and listed all my charges for CAP ONE on the spread sheet, but the calculation are for 8%, they have charged a minimum of 11.9% in the earlier days and now it varies from month to month. Can someone explain in plain english how to tackle this. They now show the charges as monthly interest at say :- Purchases 0.865% which varies from month to month.

 

Also, it may be of INTEREST for you all to note that when I went back through my file - I have kept everything, I did notice some 5/6 years ago that my interest rate suddenly changed, I did write at the time and eventually got a refund on the actual rate of interest, this I found a little worrying.

 

Some months later they changed the format of their statements and they now show a monthly rate which I now notice has changed vertually every month. has anyone else experienced this.

 

About 4/5 years ago when I once drew cash which was needed urgently out on CAP ONE - do you know I am still paying a small amount of credit each month for this - can this be right! This must have cost me an arm and a leg!

Thanks

DS

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Hi Guys

I hope someone can help me with a few pointers.

 

Just getting my claim together and listed all my charges for CAP ONE on the spread sheet, but the calculation are for 8%, they have charged a minimum of 11.9% in the earlier days and now it varies from month to month. Can someone explain in plain english how to tackle this. They now show the charges as monthly interest at say :- Purchases 0.865% which varies from month to month.

Thanks

DS

Have you done the SAR or used your statements to get a list of charges together? And have you then sent your preliminary request for a refund? And are you therefore at the stage of filing a court claim?

 

Only at the stage of filiing a court claim can you attempt to reclaim interest on the charges made - and then only at a 'statutory?' rate of 8% - hence the spreadsheet.

 

Hope this helps

 

PS Just completed my claim against Capital One - they settled two weeks after I filed my small claim at County Court, for full amount of my claim, which included £50 of my costs in pursuing the case (time spent researching, letters/stamps etc).

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Thanks for the info... I am just beginning to get things together.

I do have all my statements so I do not need to apply for these. I will write to them by either special delivery, or certificate of posting giving them 21 days to respond. Then I will file MOL Claim if needs be.

I was just interested to know how you calculated the contracual interest!

the 8% I have worked out what to do. The contractual interest will be a lot higher.

I appreciate hearing that you claimed back £50 for your time - that was good.

Thanks

DS

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Just to update you I have sent prepared a LBA letter to Capital One giving them 14 days to cough up before legal action.

He is claiming £1360 in charges and Interest £625.24 Total £1985.24

Will keep you all informed of his progress.

DS

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Just to let you all know that I have to day received the usual rubbish letter from Mr R Uddy, they are trying to fob me off with a partial settlement of 26% of my claim, they say (out of the goodness of their hearts) they would refund down to the £12 charge which they believe is fair:idea: and guess what they do not include any interest with this. I think the only way forward will be accept a partial settlement and advise them that I want the balance paid giving them a further 10 days or I will see them in court. I think Mr Uddy knows full well the proceedure and is just playing a stalling tatic.

Hey Ho off to court I will go if he does not settle my claim!

DS

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That is the reply we all get. Next stage 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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This is the letter which I intend to send to them tomorrow, if there are any modifications to this please let me know ASAP.

Thanks

DS

Capital One Bank (Europe) PLC

Executive Offices

PO Box 5281

NG2 3HX

24th November 2006

Your ref: xxxxxxxxx

FINAL LETTER BEFORE ACTION

CERTIFICATE OF POSTING

Dear Mr Uddy

Mrs Dxxxxxxxx – Credit Card Number 4775 xxxxxxxxxx

RESPONSE TO SETTLEMENT OFFER

Thank you for your letter dated 20th November 2006.

I respectfully decline your offer of settlement and request, once again, that you

return to me all the charges and interest imposed on this account, totalling £888.12.

I will accept the sum of £234.00 offered only as a part settlement and on the clear understanding that I will pursue recovery of the remainder, with a County Court claim if necessary. I therefore enclose your complaint settlement form which has been duly amended and signed by me.

My letter before action sent previously indicated that action would be TAKEN if you did not comply fully within 14 days. I am prepared to extend this only until 4th December 2006 to allow you adequate time to deal with my claim in full as outlined in my earlier letter.

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This is the letter which I intend to send to them tomorrow, if there are any modifications to this please let me know ASAP.

Thanks

DS

 

Capital One Bank (Europe) PLC

Executive Offices

PO Box 5281

NG2 3HX

24th November 2006

 

Your ref: xxxxxxxxx

FINAL LETTER BEFORE ACTION

CERTIFICATE OF POSTING

 

Dear Mr Uddy

 

Mrs Dxxxxxxxx – Credit Card Number 4775 xxxxxxxxxx

 

RESPONSE TO SETTLEMENT OFFER

 

Thank you for your letter dated 20th November 2006.

 

I respectfully decline your offer of settlement and request, once again, that you

return to me all the charges and interest imposed on this account, totalling £888.12.

 

I will accept the sum of £234.00 offered only as a part settlement and on the clear understanding that I will pursue recovery of the remainder, with a County Court claim if necessary. I therefore enclose your complaint settlement form which has been duly amended and signed by me.

 

My letter before action sent previously indicated that action would be TAKEN if you did not comply fully within 14 days. I am prepared to extend this only until 4th December 2006 to allow you adequate time to deal with my claim in full as outlined in my earlier letter.

If you've already sent your LBA, don't send the above - they've had their warning, simply start a court claim when the original date passes. The above (IMO) makes you sound weak, and they'll simply get to keep your money longer whilst you wait.

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Hi Dead SQ

Thanks for your comments, but don't I need to accept the partial settlement and I have seen other threads where they have sent a similar letter. This letter was taken and modified slightly from the library.

Your help much appreciated.

DS

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Hi Dsilverstein

 

I would send the letter again giving them the opportunity to settle. Just this time give 7 days instead of 14. It does'nt show weakness, it shows that you are being very reasonable in trying to settle out of court. You should accept anything they offer as partial payment towards your claim, which you have put into your letter.

 

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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Hi and thanks to you for all your support.

I will stick with the letter and post it tomorrow.

I am not giving them 14 days more merely just 7 working days.

I agree their position will not change but you have to show the courts that you have been reasonable - I guess.

DS

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Letter received today from C1-Robert Udy

Stating it will take at least 4 weeks to investigate!

What a load of rubbish!

They want him to be patient!

They want to waste time. I am not so I feel a MCOL coming DEADLINE 10TH DECEMBER.

DS

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Well I had another letter from Mr Uddy asking me again to sign acceptance of the partial offer in full and final settlement he states that they are confident that their fees are both fair and reasonable! He acknowledges that I will take this to court - So I have.

MCOL was completed this evening I am claiming £888.12 which includes contractual interest and have decided not to complicate matters and add the 8% as well. The contractual Interest more than covers and I will be happy just to claim this back. Oh and guess what, I used my Capital One Card for paying the Court fees that should go down well!

When doing the MCOL you cannot use the ( ) ; & so beware it takes ages to go over and over the form until it gets accepted.

I will keep you all informed - let battle commence.

DS

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Good luck in settling!...Im at the pre-lim stage with cap 1 at the moment!

willowthewysp

Action so far...

:!: Alliance and Leicester>>>PAID IN FULL:D

 

:!: Capital One>>>£1025.19

07nov06>sent S.A.R....

01dec06>statements received...

27jan07>sent pre-lim...

10feb07>sent LBA...

Court claim has been sent...waiting reply

:!: Payment Protection on Capital One>>>

23dec06>refund credited to account!

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Well done. Won't be 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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