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    • wont go near it with a barge pole as its ex gov't debt.  
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    • was at the time you ticked it  but now they've still not complied . if you read up, here , you'll see thats what everyone does,  
    • no they never allow the age related get out, erudio are masters at faking supposed 'arrears' fees which were levied before said date and thus null its write off. 1000's of threads here on them!! scammers untied that lot. i can almost guarantee they'll state it's not SB'd too re above, but just ignore them once sent. dx    
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dori2o v Capital One


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Get your LBA sent, I take it you are talking about exemption from paying court fee for filing court action, give them a ring - they are really helpful - then when the times comes you are fully prepared and so won't delay your claim.

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Get your LBA sent, I take it you are talking about exemption from paying court fee for filing court action, give them a ring - they are really helpful - then when the times comes you are fully prepared and so won't delay your claim.

 

LBA has been done, the 14 days are up and I'm ready to go to court, do I need to send the application for excemption first then wait for a response?

GE Money S.A.R - (Subject Access Request) issued 21/11/06. Responded 01/12/06. Prelim sent 05/12/06 £406. Response 12/12/06- **SETTLED IN FULL** (£396)

HSBC S.A.R - (Subject Access Request) issued 05/12/06. NO charges in last 6 years.

Lowell CCA issued 21/11/06. Further reminder sent 8/12/06. Now commited criminal offence no response.

Capital One S.A.R - (Subject Access Request) sent 08/12/06 Responded 03/01/07-Prelim Sent 16/01/07. LBA issued 06/02/07- N1 served 07/03/07- acknowledged 14/03/07.

Scotcall CCA issued 16/01/07. Criminal offence committed.

HFC Prelim sent 16/01/07. LBA sent- Final Correspondance issued with time limit of 29/03/07.

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Right then, went to the court last Friday (2nd March) and submitted my claim and sorted out the excemption.

 

Does this mean I'm almost there?

 

I've read loads about th4e court process but I'm still not sure what hapens next. Can anyone give a quick run down on the process I can expect from the courts.

GE Money S.A.R - (Subject Access Request) issued 21/11/06. Responded 01/12/06. Prelim sent 05/12/06 £406. Response 12/12/06- **SETTLED IN FULL** (£396)

HSBC S.A.R - (Subject Access Request) issued 05/12/06. NO charges in last 6 years.

Lowell CCA issued 21/11/06. Further reminder sent 8/12/06. Now commited criminal offence no response.

Capital One S.A.R - (Subject Access Request) sent 08/12/06 Responded 03/01/07-Prelim Sent 16/01/07. LBA issued 06/02/07- N1 served 07/03/07- acknowledged 14/03/07.

Scotcall CCA issued 16/01/07. Criminal offence committed.

HFC Prelim sent 16/01/07. LBA sent- Final Correspondance issued with time limit of 29/03/07.

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You should expect to recieve a notice of issue from the courts, this will give Cap One 14 days to acknowledge the claim. Once the claim has been acknowledged they will then get a further 14 days to submit their defence.

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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I have still not received anything- claim filed on 2nd March. I'm now wondering if I have got the registered address wrong on the claim form.

 

I took the registered address from the letter they sent me with the partial offer as follows.

 

Capital One Bank (Europe) plc

350 Euston Road

London

NW1 3JJ

 

Have I well and truly messed this up?

GE Money S.A.R - (Subject Access Request) issued 21/11/06. Responded 01/12/06. Prelim sent 05/12/06 £406. Response 12/12/06- **SETTLED IN FULL** (£396)

HSBC S.A.R - (Subject Access Request) issued 05/12/06. NO charges in last 6 years.

Lowell CCA issued 21/11/06. Further reminder sent 8/12/06. Now commited criminal offence no response.

Capital One S.A.R - (Subject Access Request) sent 08/12/06 Responded 03/01/07-Prelim Sent 16/01/07. LBA issued 06/02/07- N1 served 07/03/07- acknowledged 14/03/07.

Scotcall CCA issued 16/01/07. Criminal offence committed.

HFC Prelim sent 16/01/07. LBA sent- Final Correspondance issued with time limit of 29/03/07.

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Well that was the address I used and my claim has been settled.

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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Received notice of issue today.

 

Deemed served on 7th March, have until 21 March to reply.

 

As this is an N1- would I have to contact the court on 22nd March to see if they have responded, and if not then claim judgement?

GE Money S.A.R - (Subject Access Request) issued 21/11/06. Responded 01/12/06. Prelim sent 05/12/06 £406. Response 12/12/06- **SETTLED IN FULL** (£396)

HSBC S.A.R - (Subject Access Request) issued 05/12/06. NO charges in last 6 years.

Lowell CCA issued 21/11/06. Further reminder sent 8/12/06. Now commited criminal offence no response.

Capital One S.A.R - (Subject Access Request) sent 08/12/06 Responded 03/01/07-Prelim Sent 16/01/07. LBA issued 06/02/07- N1 served 07/03/07- acknowledged 14/03/07.

Scotcall CCA issued 16/01/07. Criminal offence committed.

HFC Prelim sent 16/01/07. LBA sent- Final Correspondance issued with time limit of 29/03/07.

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Getting excited now, the 14 days from serving is up tomorrow at 4pm, should I contact the court to find out if they have filed a defence, and if so, when tomorrow or Thursday?, or should I just wait for the court to send me something.

GE Money S.A.R - (Subject Access Request) issued 21/11/06. Responded 01/12/06. Prelim sent 05/12/06 £406. Response 12/12/06- **SETTLED IN FULL** (£396)

HSBC S.A.R - (Subject Access Request) issued 05/12/06. NO charges in last 6 years.

Lowell CCA issued 21/11/06. Further reminder sent 8/12/06. Now commited criminal offence no response.

Capital One S.A.R - (Subject Access Request) sent 08/12/06 Responded 03/01/07-Prelim Sent 16/01/07. LBA issued 06/02/07- N1 served 07/03/07- acknowledged 14/03/07.

Scotcall CCA issued 16/01/07. Criminal offence committed.

HFC Prelim sent 16/01/07. LBA sent- Final Correspondance issued with time limit of 29/03/07.

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GE Money S.A.R - (Subject Access Request) issued 21/11/06. Responded 01/12/06. Prelim sent 05/12/06 £406. Response 12/12/06- **SETTLED IN FULL** (£396)

HSBC S.A.R - (Subject Access Request) issued 05/12/06. NO charges in last 6 years.

Lowell CCA issued 21/11/06. Further reminder sent 8/12/06. Now commited criminal offence no response.

Capital One S.A.R - (Subject Access Request) sent 08/12/06 Responded 03/01/07-Prelim Sent 16/01/07. LBA issued 06/02/07- N1 served 07/03/07- acknowledged 14/03/07.

Scotcall CCA issued 16/01/07. Criminal offence committed.

HFC Prelim sent 16/01/07. LBA sent- Final Correspondance issued with time limit of 29/03/07.

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Getting excited now, the 14 days from serving is up tomorrow at 4pm, should I contact the court to find out if they have filed a defence, and if so, when tomorrow or Thursday?, or should I just wait for the court to send me something.

Hiya

 

Im pretty sure, if the defendent ignored you and didnt acknowledge then its 14 days from date of service. But if the defendent acknowledges they have 28 days in total from the date your claim was served.

 

Unless your Lloydstsb, then you can still file defence after 30 days and avoid judgement - Gah!!!!:rolleyes:

 

 

 

And yeah, you should get something in the post saying they have put up a defence.

**** WON ****

Cap 1 - 07/11/07 - 23/03/07 £165

Ikea - 22/02/07 - 23/03/07 £200

LTSB - 02/10/07 - 24/05/07 £3310

LTSB joint account - 02/07/07 £751

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Guest Mumofthreeboys
Getting excited now, the 14 days from serving is up tomorrow at 4pm, should I contact the court to find out if they have filed a defence, and if so, when tomorrow or Thursday?, or should I just wait for the court to send me something.

 

Make sure you are using the deemed served date and not just the date you filed your claim.

 

Personally, I would not bother calling the court. If they acknowledge your claim you will be notified of their intent to defend.

 

Did you read the link I gave you in my previous post - that explains that it really is better to receive an acknowledge and the defence.

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Make sure you are using the deemed served date and not just the date you filed your claim.

 

Personally, I would not bother calling the court. If they acknowledge your claim you will be notified of their intent to defend.

 

Did you read the link I gave you in my previous post - that explains that it really is better to receive an acknowledge and the defence.

 

I got the link, I have the letter ready printed giving them a further 7 days to pay up or defend before I go for judgement.

 

I will wait for the court to contact me, hopefully it will be good news. (Any idea how long it normally takes?)

GE Money S.A.R - (Subject Access Request) issued 21/11/06. Responded 01/12/06. Prelim sent 05/12/06 £406. Response 12/12/06- **SETTLED IN FULL** (£396)

HSBC S.A.R - (Subject Access Request) issued 05/12/06. NO charges in last 6 years.

Lowell CCA issued 21/11/06. Further reminder sent 8/12/06. Now commited criminal offence no response.

Capital One S.A.R - (Subject Access Request) sent 08/12/06 Responded 03/01/07-Prelim Sent 16/01/07. LBA issued 06/02/07- N1 served 07/03/07- acknowledged 14/03/07.

Scotcall CCA issued 16/01/07. Criminal offence committed.

HFC Prelim sent 16/01/07. LBA sent- Final Correspondance issued with time limit of 29/03/07.

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I'm getting really impatient, it's quite exciting this reclaiming lark.

 

Hopefully i'll hear something soon.

GE Money S.A.R - (Subject Access Request) issued 21/11/06. Responded 01/12/06. Prelim sent 05/12/06 £406. Response 12/12/06- **SETTLED IN FULL** (£396)

HSBC S.A.R - (Subject Access Request) issued 05/12/06. NO charges in last 6 years.

Lowell CCA issued 21/11/06. Further reminder sent 8/12/06. Now commited criminal offence no response.

Capital One S.A.R - (Subject Access Request) sent 08/12/06 Responded 03/01/07-Prelim Sent 16/01/07. LBA issued 06/02/07- N1 served 07/03/07- acknowledged 14/03/07.

Scotcall CCA issued 16/01/07. Criminal offence committed.

HFC Prelim sent 16/01/07. LBA sent- Final Correspondance issued with time limit of 29/03/07.

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Yes it does get rather exciting, but I'm afraid all this waiting malarky comes with it. We all get impatient along the way but stick with it and I'm sure you'll hear something very soon.

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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Received acknowledgement today, they acknowledged on 14th, was served on the 7th March. Do I understand that they now have until the 4th April to file the defence?

 

With Crap One, how long does it usually take? Do they keep you waiting till the last minute?

GE Money S.A.R - (Subject Access Request) issued 21/11/06. Responded 01/12/06. Prelim sent 05/12/06 £406. Response 12/12/06- **SETTLED IN FULL** (£396)

HSBC S.A.R - (Subject Access Request) issued 05/12/06. NO charges in last 6 years.

Lowell CCA issued 21/11/06. Further reminder sent 8/12/06. Now commited criminal offence no response.

Capital One S.A.R - (Subject Access Request) sent 08/12/06 Responded 03/01/07-Prelim Sent 16/01/07. LBA issued 06/02/07- N1 served 07/03/07- acknowledged 14/03/07.

Scotcall CCA issued 16/01/07. Criminal offence committed.

HFC Prelim sent 16/01/07. LBA sent- Final Correspondance issued with time limit of 29/03/07.

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They will probably file a defence, a few days later pay up. Your about 2 weeks away from settlement. Not 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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UPDATE:

 

Received letter from Cap 1 today. They deny the charges but will refund them, they have offered to refund all the intrest I paid on the account during the time it was open, and also will pay 8% intrest on the total.

 

I cliamed £827.55 (£420 charges, £398.79 contactual Int @ 29.9%, £8.76 credit balance on account)

 

They have ofered £595.10, this however does not include the £8.76, no mention of thus whatsoever.

 

I'm tempted to accept this offer as I thought £398.79 in intrest was pushing it a little, but I 'm not happy that they have not paid me the £8.76 back. I know its only £8.76, but the fact is, that was an overpayment of the balance of the account at the time I made the payment.

 

Should I just forget about the £8? I have to write to the court to advise that they have settled, is there a template for that?

 

Any advice appreciated.

GE Money S.A.R - (Subject Access Request) issued 21/11/06. Responded 01/12/06. Prelim sent 05/12/06 £406. Response 12/12/06- **SETTLED IN FULL** (£396)

HSBC S.A.R - (Subject Access Request) issued 05/12/06. NO charges in last 6 years.

Lowell CCA issued 21/11/06. Further reminder sent 8/12/06. Now commited criminal offence no response.

Capital One S.A.R - (Subject Access Request) sent 08/12/06 Responded 03/01/07-Prelim Sent 16/01/07. LBA issued 06/02/07- N1 served 07/03/07- acknowledged 14/03/07.

Scotcall CCA issued 16/01/07. Criminal offence committed.

HFC Prelim sent 16/01/07. LBA sent- Final Correspondance issued with time limit of 29/03/07.

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Does the £595.10 figure they offered you include the 8% interest?

 

Yes, the amount includes £420 fees, £77.13 intrest charged on the account throughout its lifespan, and £97.97 in 8% intrest.

GE Money S.A.R - (Subject Access Request) issued 21/11/06. Responded 01/12/06. Prelim sent 05/12/06 £406. Response 12/12/06- **SETTLED IN FULL** (£396)

HSBC S.A.R - (Subject Access Request) issued 05/12/06. NO charges in last 6 years.

Lowell CCA issued 21/11/06. Further reminder sent 8/12/06. Now commited criminal offence no response.

Capital One S.A.R - (Subject Access Request) sent 08/12/06 Responded 03/01/07-Prelim Sent 16/01/07. LBA issued 06/02/07- N1 served 07/03/07- acknowledged 14/03/07.

Scotcall CCA issued 16/01/07. Criminal offence committed.

HFC Prelim sent 16/01/07. LBA sent- Final Correspondance issued with time limit of 29/03/07.

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GE Money S.A.R - (Subject Access Request) issued 21/11/06. Responded 01/12/06. Prelim sent 05/12/06 £406. Response 12/12/06- **SETTLED IN FULL** (£396)

HSBC S.A.R - (Subject Access Request) issued 05/12/06. NO charges in last 6 years.

Lowell CCA issued 21/11/06. Further reminder sent 8/12/06. Now commited criminal offence no response.

Capital One S.A.R - (Subject Access Request) sent 08/12/06 Responded 03/01/07-Prelim Sent 16/01/07. LBA issued 06/02/07- N1 served 07/03/07- acknowledged 14/03/07.

Scotcall CCA issued 16/01/07. Criminal offence committed.

HFC Prelim sent 16/01/07. LBA sent- Final Correspondance issued with time limit of 29/03/07.

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This seems like the way they are trying to handle CCI claims now, I think rougesept's offer was the same. Have been calculating my interest charges just to give me an idea of what they will come up with, falls well short though of my claim. Have you decided if you are going to accept it or do you think you might carry on the fight.

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I'd actually be happy to accept, but, and it seems silly, but I want the £8.76 back with Intrest also. The way I see it, that is more my money than the charges, as it was a credit balance on the account when it closed, so they should have sent it to me by now anyway.

 

I'm looking for advice on how to take this forwards. They have said they will refunf the charges etc, but I don't know if I have the confidence to go to court just to argue about the contractual intrest.

 

Any help appreciated.

GE Money S.A.R - (Subject Access Request) issued 21/11/06. Responded 01/12/06. Prelim sent 05/12/06 £406. Response 12/12/06- **SETTLED IN FULL** (£396)

HSBC S.A.R - (Subject Access Request) issued 05/12/06. NO charges in last 6 years.

Lowell CCA issued 21/11/06. Further reminder sent 8/12/06. Now commited criminal offence no response.

Capital One S.A.R - (Subject Access Request) sent 08/12/06 Responded 03/01/07-Prelim Sent 16/01/07. LBA issued 06/02/07- N1 served 07/03/07- acknowledged 14/03/07.

Scotcall CCA issued 16/01/07. Criminal offence committed.

HFC Prelim sent 16/01/07. LBA sent- Final Correspondance issued with time limit of 29/03/07.

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I don't think it's silly dori20, if you owed them £8.76 and didn't pay they would create all sorts of problems for you in relation to info they would send to CRA. It's a matter of principle, also I feel that although you may feel you are pushing it for CCI (as I probably will as well) now that you have issued your court claim is it for them to decide the rate of interest - I don't think so - but know exactly how you must be feeling. Thing is I really do not think they want to go to court and disclose actual cost of charges - maybe time to do some more reading - will get back to you if I find anything helpful. There are some very informative people on this forum and I think you need some help.

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GE Money S.A.R - (Subject Access Request) issued 21/11/06. Responded 01/12/06. Prelim sent 05/12/06 £406. Response 12/12/06- **SETTLED IN FULL** (£396)

HSBC S.A.R - (Subject Access Request) issued 05/12/06. NO charges in last 6 years.

Lowell CCA issued 21/11/06. Further reminder sent 8/12/06. Now commited criminal offence no response.

Capital One S.A.R - (Subject Access Request) sent 08/12/06 Responded 03/01/07-Prelim Sent 16/01/07. LBA issued 06/02/07- N1 served 07/03/07- acknowledged 14/03/07.

Scotcall CCA issued 16/01/07. Criminal offence committed.

HFC Prelim sent 16/01/07. LBA sent- Final Correspondance issued with time limit of 29/03/07.

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