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Redsonja Vs Cap 1 - ***WON with CI***


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Glad you said that, I really like that POC and will probably go with that also, just need to add para on default so am reading up to see what others have put on about this. Just quick question though, if you are posting your N1 off tomorrow, recorded? how can you make payment, cheque or can you put your debit/credit card details on. Was hoping to make payment by credit card and haven't looked into this yet.

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I phoned the court and they said cheque was fine, they also said I could post normally but Im not taking any chances so Im going for recorded. You would probably be able to pay by credit card if you went in to the court, maybe a quick phonecall to them eh? The guy I spoke to was really helpful and he was even saying they will pay up before it goes to court. I was quite surprised at that but wont count my chickens....I mean pounds...until I get my cheque!

Morgan Stanley

**Won 31.01.07 with CCI**

Capital One

**Won 19.04.07 with CCI**

Halifax current & Joint

Verbal S.A.R 11.01.07, stats recd 18.01.07

Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs

GE Capital

Frazercard Prelim sent with CCI 27.01.07

Burtons Prelim sent with CCI 22.01.07

 

RBOS Visa S.A.R sent 12.01.07

Partners JJB card (Creation) *Won* with part interest - 15.02.07

 

 

Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07

 

Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs

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Thanks for that, just need a quite house in the morning to get it all sorted, why is it that everybody wants you as soon as you sit down to do anything on here, I will ring them in the morning, I can take it in this week so its no problem. I'm sure you will get yours paid out before me because of the default on my account, not sure how much longer it will take though, any ideas?

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Update - I posted the N1 as promised, so just waiting to hear now. Also sending CCA request off to Cap 1 tomorrow...recorded delivery.

Morgan Stanley

**Won 31.01.07 with CCI**

Capital One

**Won 19.04.07 with CCI**

Halifax current & Joint

Verbal S.A.R 11.01.07, stats recd 18.01.07

Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs

GE Capital

Frazercard Prelim sent with CCI 27.01.07

Burtons Prelim sent with CCI 22.01.07

 

RBOS Visa S.A.R sent 12.01.07

Partners JJB card (Creation) *Won* with part interest - 15.02.07

 

 

Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07

 

Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs

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Hopefully just a week behind you now, I have sent 2 CCA requests off - have not heard a thing, both recorded so I know they got there, guess thats Capital One for you.

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Hey doo, have you seen the threads on CCAs? Jeez....just something else to get our heads round lol.

When did you send your requests?

Morgan Stanley

**Won 31.01.07 with CCI**

Capital One

**Won 19.04.07 with CCI**

Halifax current & Joint

Verbal S.A.R 11.01.07, stats recd 18.01.07

Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs

GE Capital

Frazercard Prelim sent with CCI 27.01.07

Burtons Prelim sent with CCI 22.01.07

 

RBOS Visa S.A.R sent 12.01.07

Partners JJB card (Creation) *Won* with part interest - 15.02.07

 

 

Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07

 

Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs

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Don't know if I should look tonight, was up till gone midnight last night doing my brothers spready for abbey claim, he had not highlighted all his charges so had to double check all his statements.

 

Anyway sent first CCA on 25 January to DCA (who we now know should never have got it in the first place) they did reply on 5 February saying they have requested it from cap one, they also sent back my £1 postal order. I also backed myself up and sent one to cap one on 22 February and have heard nothing.

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well done sonja, just out of interest, why did you request a CCA?

 

i probably shouldn't really ask, I've only just got my head round the Compound Interest

"Banks are people that will lend you an umbrella when it's sunny, but demand it back the minute it starts raining"

 

Brad v Halifax

22/08/06 - Preliminary Letter sent requesting full repayment of charges

06/09/06 - LBA sent to bank

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well done sonja, just out of interest, why did you request a CCA?

 

i probably shouldn't really ask, I've only just got my head round the Compound Interest

 

lol Brad, that was exactly my thought...but.....there are a lot of threads on CCAs at the mo and it appears a lot of the credit card companies aren't providing the proper signed agreement. The idea (i believe) is to request the CCA and hope that they cant provide it so then it will be more of a deterrent for them to not procede into the court room so as to not risk any more bollockings from the court.

 

This is my belief on it but if ive got the wrong end of the stick, I'd be happy for someone else to post their views.

 

It is just another aspect to get your head round though....and im not quite there yet....am waiting to see what they provide!

 

Thanks Tanz.....i'll be glad when the pressue is off me too to be honest as it will mean the 1st "official" court claim is out of the way and hopefully the rest will be a little easier for me to do as I will know what im doing.....there's always hope lol

Morgan Stanley

**Won 31.01.07 with CCI**

Capital One

**Won 19.04.07 with CCI**

Halifax current & Joint

Verbal S.A.R 11.01.07, stats recd 18.01.07

Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs

GE Capital

Frazercard Prelim sent with CCI 27.01.07

Burtons Prelim sent with CCI 22.01.07

 

RBOS Visa S.A.R sent 12.01.07

Partners JJB card (Creation) *Won* with part interest - 15.02.07

 

 

Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07

 

Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs

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cheers sonja, think I'll ask for mine too.

 

it's funny, I remember when I got the card and phoned up to activate they asked me whether i wanted insurance, but I replied (and I can remember this, clear as day) "there's no point, my credit limit is only £200", but they have been charging me for this. Hmmm...think I may need to investigate that.

"Banks are people that will lend you an umbrella when it's sunny, but demand it back the minute it starts raining"

 

Brad v Halifax

22/08/06 - Preliminary Letter sent requesting full repayment of charges

06/09/06 - LBA sent to bank

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Really??? I think some more complaints is definitely required! I have a prob with Morgan Stanley, I opened the acc to take advantage of the fixed 4.9% for the WHOLE of the balance transfer. When I had a late payment charge they cancelled the promotional rate. I queried it a few wks back and the guy told me that if I had phoned up the following month it would have been reinstated. How the hell am I to know that? I have requested a opy of my CCA with them and today they sent me their terms and conditions leaflet from March 2007!!!!

They really do take the Pi$$ these companies....

Im certainly gonna try and claim back the higher interest they have charged me for the last 2 years...probably dont stand a chance but I will try!

Morgan Stanley

**Won 31.01.07 with CCI**

Capital One

**Won 19.04.07 with CCI**

Halifax current & Joint

Verbal S.A.R 11.01.07, stats recd 18.01.07

Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs

GE Capital

Frazercard Prelim sent with CCI 27.01.07

Burtons Prelim sent with CCI 22.01.07

 

RBOS Visa S.A.R sent 12.01.07

Partners JJB card (Creation) *Won* with part interest - 15.02.07

 

 

Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07

 

Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs

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so just out of interest, the CCA should give all that information I'd imagine? Do I just write for that now and enclose payment of £1. Do they then get 40 days to supply it?

"Banks are people that will lend you an umbrella when it's sunny, but demand it back the minute it starts raining"

 

Brad v Halifax

22/08/06 - Preliminary Letter sent requesting full repayment of charges

06/09/06 - LBA sent to bank

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Yep write for it as soon as you can. They have to supply it within 12 days by law. If you want to PM me your email addy, I can send you the template if you like. It wasnt straight forward to find in the library so someone else emailed it to me.

Morgan Stanley

**Won 31.01.07 with CCI**

Capital One

**Won 19.04.07 with CCI**

Halifax current & Joint

Verbal S.A.R 11.01.07, stats recd 18.01.07

Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs

GE Capital

Frazercard Prelim sent with CCI 27.01.07

Burtons Prelim sent with CCI 22.01.07

 

RBOS Visa S.A.R sent 12.01.07

Partners JJB card (Creation) *Won* with part interest - 15.02.07

 

 

Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07

 

Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs

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awww thanks :D

Morgan Stanley

**Won 31.01.07 with CCI**

Capital One

**Won 19.04.07 with CCI**

Halifax current & Joint

Verbal S.A.R 11.01.07, stats recd 18.01.07

Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs

GE Capital

Frazercard Prelim sent with CCI 27.01.07

Burtons Prelim sent with CCI 22.01.07

 

RBOS Visa S.A.R sent 12.01.07

Partners JJB card (Creation) *Won* with part interest - 15.02.07

 

 

Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07

 

Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs

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  • 2 weeks later...

Well I hadn't heard anything from the court so I phoned them today and checked what was going on.....

They havent received the application! Chq not cashed either so I have stopped the chq and reissued again today via recorded delivery. Bit of a bummer as has strung it out a bit longer but hey, with daily CI accruing....who cares!

Morgan Stanley

**Won 31.01.07 with CCI**

Capital One

**Won 19.04.07 with CCI**

Halifax current & Joint

Verbal S.A.R 11.01.07, stats recd 18.01.07

Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs

GE Capital

Frazercard Prelim sent with CCI 27.01.07

Burtons Prelim sent with CCI 22.01.07

 

RBOS Visa S.A.R sent 12.01.07

Partners JJB card (Creation) *Won* with part interest - 15.02.07

 

 

Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07

 

Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs

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Hi redsonja, there is always a silver lining, this one being CI lol. It looks like we will be putting our claims in at the same time after all. 48 hours maximum to go:D

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lol doo. Lets have a race to the finish line lol

Morgan Stanley

**Won 31.01.07 with CCI**

Capital One

**Won 19.04.07 with CCI**

Halifax current & Joint

Verbal S.A.R 11.01.07, stats recd 18.01.07

Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs

GE Capital

Frazercard Prelim sent with CCI 27.01.07

Burtons Prelim sent with CCI 22.01.07

 

RBOS Visa S.A.R sent 12.01.07

Partners JJB card (Creation) *Won* with part interest - 15.02.07

 

 

Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07

 

Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs

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Redsonja

 

I've placed my bet at the bookies ... you'd better win this one ;-)

 

On a separate issue, I've had a go at re-doing my schedule on vamps spready number 16 and have a bit of trouble with it. I've sent you a message (email) asking you to take a peek if would be so kind?

 

Cheers

 

P

'Fortune favours the brave.'

 

 

 

 

 

 

 

Any advice given is purely on the basis of my own views and opinions and offered in good faith.

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not having much luck with these court claims are you son? I'll be catching up at this rate....well, actually, probably not!

 

it costs money to cancel a cheque too, doesn't it? Have to make sure I send them in recorded post.

"Banks are people that will lend you an umbrella when it's sunny, but demand it back the minute it starts raining"

 

Brad v Halifax

22/08/06 - Preliminary Letter sent requesting full repayment of charges

06/09/06 - LBA sent to bank

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Blimey, I missed a few posts here....my email notification doesnt seem to be working at all today! or yesterday!

Hopefully my email reply has helped you paintball.

Brad - too right Im not having any luck lol. Plus I think I will have another one sent back to me too!

I did an N1 for my O/H bank of Scot CC and put the addy as Edinburgh, Ive recently heard that it means you have to go under Scottish law so its best to put Halifax registered addy! This is all doing my nut in lol!

I think I should win an award for most returned N1s.

 

There are 2 options for chq Brad....one is report it as lost and its free but if it gets presented they cant guarantee they wont pay it and the 2nd one is stop it for £7.50!!!!!!

 

More rip offs!

Morgan Stanley

**Won 31.01.07 with CCI**

Capital One

**Won 19.04.07 with CCI**

Halifax current & Joint

Verbal S.A.R 11.01.07, stats recd 18.01.07

Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs

GE Capital

Frazercard Prelim sent with CCI 27.01.07

Burtons Prelim sent with CCI 22.01.07

 

RBOS Visa S.A.R sent 12.01.07

Partners JJB card (Creation) *Won* with part interest - 15.02.07

 

 

Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07

 

Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs

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I thought it was just me not getting e-mails, this is the second day now I haven't received any and it really makes it difficult not to miss something. Must be a problem on this site - it won't stop us though redsonja, onwards and upwards now.

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Hi doo,

It was quite strange actually as I have been on the PC for most of the day and I thought "Blimey its quiet on the forum today" lol.

I must get into the habit of going in and checking my subscribed threads instead!

Yes doo....hopefully it wont be long. Once they pay me on these ones Im going back at them for pre 6 years. Just before the 6 year limit I had a load of overlimit fees so I want them back too!

Morgan Stanley

**Won 31.01.07 with CCI**

Capital One

**Won 19.04.07 with CCI**

Halifax current & Joint

Verbal S.A.R 11.01.07, stats recd 18.01.07

Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs

GE Capital

Frazercard Prelim sent with CCI 27.01.07

Burtons Prelim sent with CCI 22.01.07

 

RBOS Visa S.A.R sent 12.01.07

Partners JJB card (Creation) *Won* with part interest - 15.02.07

 

 

Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07

 

Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs

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Your next claim with them will be interesting then. Am checking subscribed threads too - hopefully e-mails will be back soon, had the same thought as you about e-mails, I love to click that button and they all appear, most disappointing (how sad am I, lol). Are you getting script errors too, everytime I refresh this happens, it's a real pain.

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