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millymollymoo

Capital One.. ***I WON***

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Hi Milly

As I have said previously I claimed simple interest, which was the rate they charged on each statement against the amount of days for each charge, it did add up to shed loads but obviously not as much as contractual. So not sure how you did your sums as some people are calling it conmtractual when it is not. The defence purely said that they sere settling on a GOGW basis in full and that they did not believe that their charges were unlawful. Sadly, they did not defend so we are all none the wiser. For me though I was delighted that both mine and hubbys claims have been paid out in full. You must not worry so much!

DS

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Hi Ds thanks and Im sorry for asking you to repeat yourself I believe yours was not compouned.

 

I am wondering now about my O/H's as I used vamps no 13 and it is called the simple version (though is compounded contractual). This spready you add the penalty charge, date an it simply works out the the date applied to the current date. You do not put a balance in and it does not work out any thing extra like extra interest . However, it does state compounded contractual. Other peeps have used the advanced version and this does give more.

 

Anyway its done and we are waiting for acknowledgement, they have till 8 feb. Im sure they will!!!!

 

Thanks again

 

Milly X :)


CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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Milly I am sure you will be fine, why don't you wait for them to reply which will not be too long now.

DS

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Thanks DS keep an eye on my thread:)

 

Milly X:)


CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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Ok ...been busy today. Incase you don't know cos I talked about it on my other thread

 

http://www.consumeractiongroup.co.uk/forum/other-institutions/45909-millymollymoo-goldfish-post525181.html#post525181

 

I noticed acouple of typo boboo's in my O/H's POC, so on advice of others and also cos I was filing goldfish. I took th POC to the court clerk, who spoke to the judge who was in the office by chance;) . She asked if Cap One had acknowledged and my O/H said not yet. She said then as they had not he could amend his POC without a fee of £35:D. The court manager then told O/H to mark the changes in red biro and that the amended copies would be sent today extending the deadline by another 14 days.Which is fine as it only really extends by aweek till the 17th Feb!!

 

So all in all a good day. Thing is wonder why Cap one have not acknowledged anyway as from what I have read they are normally pretty quick.

 

Now just the wait.............

 

Milly X:)


CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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They must be really busy. Probably can't cope. Not long now Milly. Nearly there.

 

Like your avatar by the way.

 

Uk


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Thanks UK:)

 

I reckon you're right theres is loads on here. It would be nice for my O/H if they didn't acknowledge;) Oh well we have blown that now as the amended POC's will alert them now...:rolleyes:

 

Milly X:)


CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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Hi Millie

I do not think you will have to wait too long now! I feel certain that they will settle your claim very soon. Anyway it was good of the Judge to let you amend your forms, so luck was on your side.

DS

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Thanks DS:) . I agree and feel so much better. I didn't sleep much last nite worrying!

 

Milly X:)


CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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And you won't do tonight either. You're still here. Go to bed. Start again tomorrow.

 

Night

 

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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Okay the new notice of issues actual deadline because of amended poc is 19th Feb.

 

A wendy starr has acknowledged the original notice of issue and intends to defend in full!!!!!.However this should run with the new ones deadline, which gives them an extension:( .

 

It says from deemed served which on the new one (like confusing you!) is 5th feb they have 28 days to file a defence, so that gives then till 6th March.

 

Need a bit of help as to what is normal now.

 

 

Milly X


CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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And you won't do tonight either. You're still here. Go to bed. Start again tomorrow.

 

Night

 

Uk

 

I did take your avice, however still couldn't sleep!!!!!

 

 

Milly X:)


CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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Hi anyone can you help with post #61 please??

 

Milly


CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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bump


Just hate every DCA out there

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Thanks...I know what to expect as I have seen another members defence and it will prob look alot like mine when it arrives!!!

 

Milly X


CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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Help though appreciated when it comes:D

 

Milly X

 

P.S Will be putting up one hell of a fight however!!! Have my fairness and balance marathon reday and waiting !!!


CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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Hi Milly

Unless Capital One have changed their stance , they normally put in a defence, I received by letter advising full payment a few days after the defence arrived. The defence did say however that they had paid in full. So wait for the paperwork to arrive I hope for your sake it will be any day now.

Regards * best wishes

DS

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milly, keeping fingers crossed for you - just keep us all updated, hopefully not long to go now.

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Hi Milly

Any news yet!

DS

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Hi DS :)

 

Just to recap Wendy Starr acknowledged the first POC's in time, however if I am correct as we issued new POC's this being deemed served 5th Feb, this supercedes the original ones doesnt it...so she has to acknowledge these doesnt she and if she doesnt what would happen? Would we win by default? She has till monday ;)

 

We are hoping she is concentrating on the the others and forgets, though doubt we will be that lucky:rolleyes:

 

Milly XX


CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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Methinks I have jinxed meself and it will land on the doormat tomoz:rolleyes:

 

Milly X


CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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Methinks I have jinxed meself and it will land on the doormat tomoz:rolleyes:

 

Milly X

 

You never know!! do not worry, you will get there.

DSx

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DS am I right though in my thoughts as they have been re-deemed served it states that they have to acknowledge bt tomoz.???

 

I have no worries with this claim as MR UDY was late with his offers, two in total same amount and tiny. I believe he is snowed under, but was surprised he didnt offer full charges at the least. He has showed that he is VERY unreasonable here me thinks to the court:D

 

Milly X


CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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Hi Milly

If they have to acknowledge by tomoz I am sure that they will, it will be their Solicitors and then they will state that they are putting in a defence.

Just about the time of the Defence you will get a letter offering full settlement. Forget about Mr Uddy, he is now out of the picture, if he exists at all. I am sure it is just a name they use on their letters. Because you will notice all the letters are standard templates they actualy never answer your letter in detail, someone must just push the button.

Hang in there, you really do not have long to wait.

Regards

DSx

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Hope so...though I reckon they will try the full cgarge + stat offer. In this case FULL REJECTION and press for disclosure of charges,;) its up to them. my claims intact. Nothing to lose here me thinks.:D Am a bit worried about the Goldfish claim I have though albeit their were grossly unfair conditions with that one.

 

Milly X


CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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