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    • Post #9 suggested some options to avoid or put off having a smart meter. Post #12 a simple solution to your complaint about the ay they handle fixed monthly DD. It's not really clear why you posted if you're going get irate when members "jump in" with suggestions. You can see what I'm referring to on "gasracker.uk" to allay your suspicion that I was lying in Post #16 which was made to correct ther misinformation shown in your Post #15
    • Back to octopus from the smart meter/tariff salesperson. Octopus have now said just ignore the letter - I dont have to have one despite there letter implying (at least) it was required, but that i will HAVE to have a smart meter if current meters stop working as 'their suppliers dont supply non smart meters any more'. They also say they do not/will not disable any smart functionality when they fit a smart meter I am of course going to challenge that. Thats their choice of meter fitter/supplier problem not mine
    • Point taken that we should inform new Caggers that the £20 option is there in wrong registration cases.  Well, supposedly there, who knows what the PPCs would do in practice.  Anyway, the option is allegedly there with both the BPA as you say, but also the IPC (I've just checked). However, there's a danger here of baby, bathwater. The two easiest types of cases to win are (a) residential - due to Supremacy of Contract and (b) wrong registration - due to "de minimis".  Indeed until recently we has been boasting that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing. We simply can do nothing about a terrible judge.  The judge seems - I say seems because we haven't had all the details - to have ignored "de minimis",. got fixated on a sign and awarded unreasonable behaviour costs.  A totally bizarre judgement.
    • You mean your witness statement 
    • That may be your personal claimed experience I said i didn't want smart meters - you jumped in to recommend smart meters I quite clearly indicated I was happy with being in credit to maintain constant payments - you suggest paying what I owe every month I quite clearly indicated I was happy with being in credit to maintain constant payments - you suggest a variable tariff - even if its one that only varies on a daily basis rather than half/hourly - with prices higher in winter when you need it and lowest in summer when you need it least   politeness ends with: - I'm NOT interested in any smart tariff I see, You are pushing your smart meter + variable tariffs in the wrong place - try pushing them somewhere 'nearer to home'  
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New Claim - Another Capital One


doo
style="text-align: center;">  

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because no one has posted on it for the last 6118 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

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Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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Also, forgot to add that cap one have confirmed the removal of all late markers showing on my credit file, have checked and it has already been done, now showing a lovely row of zero's, am extremely pleased about this.

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well done doo, very happy for you:D . keep at em for the £100 though;)

OK I GIVE IN

 

Halifax £3600 charges, won with C/I £6400

 

NatWest S.A.R-05/06/06

Bug**r all recieved 03/11/06

Prelim guesimate sent for £3000 03/11/06

Cr*p one CONNED statements 08/06 ROFLMAO

Cr*p one charges=£976

con int 34.9% £1,003.75 £1,979.75.

 

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sure does:)

OK I GIVE IN

 

Halifax £3600 charges, won with C/I £6400

 

NatWest S.A.R-05/06/06

Bug**r all recieved 03/11/06

Prelim guesimate sent for £3000 03/11/06

Cr*p one CONNED statements 08/06 ROFLMAO

Cr*p one charges=£976

con int 34.9% £1,003.75 £1,979.75.

 

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Good luck doo, and thank you for the advice I have letter written up ready to go...

Dear Victoria Richmond

 

Thank you for your letter dated 26 June 2007. I wish to stress that I will accept your offer as partial payment only towards my claim. The money transfered to my account should not be viewed as my acceptance as a full and final settlement. As my Particulars Of Claim state, I am claiming contractual interest (compounded daily) at 34.90% APR, or 2.53% per month, which is the rate that has been applied to my account (this information has already been confirmed by your department in a telephone call) and is the most current interest rate being applied according to my statements and your website. As County Court action has commenced, any negotiated settlement of this claim must include interest and court fees. Failure to comply with these points in any settlement offer means that it would not be a full settlement of my claim, and therefore unacceptable. I am a reasonable person and would be happy to negotiate to bring proceedings to a close, but in the absence of any serious attempt at settlement on your part, you can be assured that I will pursue this claim in the most vigorous manner. Should you wish to settle my claim in full, then please forward the balance of the claim £412.98 without conditions, and I will inform the court that the claim is settled. I have also requested that you remove any default notices against me, please make sure that this is also done.

As previously advised I shall also be requesting, from the Court, compensation for wasted costs, due to your resistance. I shall also expect a full break down of costs incurred to yourselves justifying the charges to my account.

 

I trust this clarifies my position.

 

Yours sincerely

 

Any comments?

:DABBEY-WON! £1,359.34

:confused:CAPITAL ONE WON £1,523.27+£39court fees.

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if you are going for CI why are you accepting partial offers chocolatte?????? to do that would be a BIG mistake

  • Haha 1

OK I GIVE IN

 

Halifax £3600 charges, won with C/I £6400

 

NatWest S.A.R-05/06/06

Bug**r all recieved 03/11/06

Prelim guesimate sent for £3000 03/11/06

Cr*p one CONNED statements 08/06 ROFLMAO

Cr*p one charges=£976

con int 34.9% £1,003.75 £1,979.75.

 

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I accepted partial offer from Abbey in April and told them I would still be going to court for the rest and they paid the whole lot.

If I owed a company money they would bite my hand off if I offerred them a partial settlement? Would they?

I'm quite happy going to court and asking them to explain their actions to the Sheriff since I requested my money back in February, then going to the FOS and finally appearing in court after they tried to short change me.

:DABBEY-WON! £1,359.34

:confused:CAPITAL ONE WON £1,523.27+£39court fees.

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Coxey I found you here too. LOL!

 

Hi doo. Have just finished reading your thread - phheeewww. What a hassle. Well done for sticking with it though.

 

Coxey and I have both got Cr*p One claims on at the moment. Coxey is further ahead as she has filed at Court. I have just sent a Combined Rejection of Offer and LBA to them yesterday. They offered me the difference between £20 and £12.

 

I too claimed CCI but would be quite happy to take charges + interest+ 8% SI but we shall see.

 

My claim is complicated further in that I am wanting default and CCJ removal from them too. I will add your thread to my "thread bible" (Tanz's thread is there as a matter of course!) :p

 

To see how we're both getting on

 

Coxey - coxey61 vs capital one

 

deedee - deedee1310 v Capital One

 

Anyway I hope Cr*p One pays up for you. I am subscribing to see how you finally settle this.

 

Best wishes

 

deedee

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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Thanks all for support, will update when I receive cheque and paperwork from the court.

 

Thank you Doo, I really appreciated the reputation thingy.

 

and CONGRATULATIONS .......................

for a job WELL DONE.

enjoy the spending when the cheque arrives and clears.

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Got my cheque today, put it into Abbey, already done and won with that lot :lol: , when cheque clears will be sending you letter Ms Richmond!

:DABBEY-WON! £1,359.34

:confused:CAPITAL ONE WON £1,523.27+£39court fees.

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Thanks ds, will be back on Abbey forum soon so will catch up with you there, I will certainly be following your lead.

 

Hi Doo

Look forward to you joining me on the Abbey forum, it is not as friendly as the Cap One as it is quite large, although I am friendly with a couple of folks there. One of them has the bailiffs going into Abbey next week so watch this space! Five minutes after you post your thread dissapears a long way down as so many peeps are posting there. So it will be great to have some company and I will be pleased to help all I can. I am just waiting on the Judge to decide whether he is going to strike out Abbeys defence or go for the draft directions that I gave in the alternative. I did a really comprehensive AQ (N150) and I have posted it to the thread so it will be there when you need it.

All the best

DS

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congratulations doo

"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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ds, need to do some catching up on the abbey forum, have been so caught up on this claim it will be good to get it all concluded. Will have a look at the posting on your AQ, it's great that you have posted it up for others.

 

Brad, thanks, it's been a long haul, now for Barclaycard.:D

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Hey Doo

 

Excellent news about the default etc.

As for ther £100, I would keep on at them too, they will soon pay it me thinks.

 

Well done for hanging in there so long

x

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 sonja, paintball. Cheque received, minus the £100 for the Allocation Questionnaire. As I have already said they have informed me that the £200 GOGW received more than compensates me for the AQ fee, now, have to think what to do next, do I call it a day or push on. Any comments?

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You have come this far, why let them away with £100.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Hey,

 

Can anyone help me? I am about to start a case against Capital One.

I have noticed on my bills things such as "Cash advanced fee", " Cash interest" and "purchase interest" appearing. Then once these have pushed me over my credit limit "overlimit charge" appears!

 

What template should I use to request all statements? pleas ehelp?

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Hi Doo have you accepted yet the £200 does seem a bit stingy on thier behalf doesnt it as Your diff was £1000 was it not.WIll keep watching to see what happens.I am going to accept as partial and negotiate the rest I hope.

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Hi sowerby, I have not stopped the claim yet but have had notice from Southend Court that the Allocation and Case Management Conference will take place on 13 September, which I should attend. Will now write another letter to legal dept about my allocation questionnaire fee. I really do not think I will get any more money out of them though, also not sure what the above is, seems tome that there are alot of cases all on the same day/time.

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  • 2 weeks later...

Hi Doo...hope you're ok

 

sorry...been so busy trying to get away from Sonja & Paintball that I've forgotten to find out how you're doing. Am I right in thinking that you've won?

"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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