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    • Unsure what would be classed as appeal I first contacted the applicant then IAS. I am not aware I could appeal again as Bank state I was informed that is news to me. I would have to look through the paper work, I apologise I forget so much due to my caring duties wish I had quality time to get so much done. Will try and look tomorrow, appreciate everyone's time and input.
    • Hi, I've been reading the invaluable advice on this forum and reading about the problems with Evri and lost delivery of items.  From what I gather the initial steps after having exhausted every's own lost item claim process is to draft a Letter of Claim, I think it is called and to register with the government Money Claims.  I have got a login for Money Claims and have made an initial stab at the letter but I'm not certain I have got it right. Am I right to assume that having exhausted Evri customer service's claims process and having received the denial of any compensation because the laptop I was sending is on the non-compensatory list that my next step would be to send the Letter of Claim to them? Let me provide some basic details which I hopefully have addressed in the letter. I purchased a laptop through Amazon.co.uk which a business in Belfast sold refurbished laptops through.  They had a 30 day money back guarantee for a full refund if you have any issues with the laptop.  I have the invoice from Amazon showing the purchase.  On 27 April, 2024 before the end of the 30 day period I used their ParcelShop (inside a Tesco) to send the laptop back and have the tracking reference mentioned in the letter.  As mentioned in the letter there was they advised they could not give me or sell me any insurance because laptops are on the non-compensatory list so I just paid the normal delivery cost.  It was scanned as leaving the ParcelShop on 29 April and the tracking has been like that ever since.  After a 28 working day Evri claim process they gave the expected response that they could not provide any compensation and simply could not proceed with my claim. I was hoping to get some advice on whether I go ahead now and email this to Customer Services straightaway and should I send a hard-copy to the Evri address as well?  Or are there any steps I have missed out on first?  I believe 14 days is the reasonable period of time for them to respond so if I were to send it tomorrow, for example 12 June then I should expect a reply by 26 June, is that correct and fair?  And assuming they don't reply with a full refund then I would then go down the government Money Claims site to proceed with that? Sorry for all the questions, I want to make sure I go about it properly.  I'll continue to read through other cases on here so I can get an even better handle on the process. I attached a LOC, happy for any edits or updates that will make it even better. Thanks so much for anyone's help! Regards, Matt Evri letter of claim.docx
    • The date was 3 June. Get on MCOL now. The legal principle is that, even if you defence is late, if the other party hasn't requested judgement, then your defence takes priority and is accepted. You might be in time. When I say now I mean now.  Recently we had someone who was nine days' late and this was pointed out to them at 5:30pm.  They faffed around till 11pm.  When they went on MCOl they saw that judgement had been entered at 7pm. Every minute is vital. File the below standard defence if you still can - 1.  The Defendant is the recorded keeper of [motor vehicle]. 2.  It is denied that the Defendant entered into a contract with the Claimant. 3.  As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance.  The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner.  Accordingly, it is denied that the Claimant has authority to bring this claim.    4.  In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5.  The Claimant is attempting double recovery by adding an additional sum not included in the original offer.  6.  The Particulars of Claim is denied in its entirety.  It is denied that the Claimant is entitled to the relief claimed or any relief at all.
    • Hi friends,  I’m a bit worried I may have got confused with timings here. I thought I had 33 days from my acknowledgment to submit a defence but the date added above says 3/6/24.   have I missed the date?   if so how can I apply for an exception due to my disability and problems with deadlines and dates etc (ADHD)?   what should I submit as a defence?   I’ve had no reply from BW so far    just been back on MCOL and it says 28 days from service if I completed an acknowledgment of service so does that mean 28 days from that of acknowledgement (I.e. 16/5) which would make deadline for defence 14/6?   Thanks! Panicking here.
    • Normally we don't advise playing your cards early in a snotty letter, but as you have appealed we might as well use what you wrote in the appeal against them. There is no rush, you have until 6 July to get it to them.  See what the other regulars think too. How about something like this? -   Dear Rachael & Sean, cheers for your Letter of Claim.  I rolled around on the floor in laughter at the idea you'd actually thought I'd take such tripe seriously and would cough up! As usual you'll have been too bone idle to do any due diligence.  Had you done so you would have seen that I appealed to your client.  Indeed the driver on the day is a textbook example of having done exactly what you should do when you do not wish to be bound by the T&Cs in a private car park. Of course none of that mattered to the spivs you represent but do you really want to put such a useless case in front of a judge? To be fair, your clients are very useful members of the human race - as comedians.  How I loved the page turner of their antics at The Citrus Building in Bournemouth.  It was chuckle after chuckle reading about them, letter after letter, month after month, insisting they were legally in the right, even through someone who had done just the first day of a GCSE law course could have told them they weren't.  Until the denouement - BOOM - an absolute hammering in court.  In fact - SLAM, BANG - managing to lose twice against the same motorist for the same car park in front of two different judges. Your client can either drop their foolishness now or get yet another tolchocking* in court where I will go for an unreasonable costs order under CPR 27.14(2)(g) and spend the dosh on a nice summer holiday, while every day laughing at your clients' expense. I look forward to your deafening silence. COPIED TO COUNTRYWIDE PARKING MANAGEMENT LTD   *  This word is used under licence from Brassnecked
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Coll2900 V Capital one - Help Needed


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Hi everyone

 

I'm finally ready to start my battle with CAP one. I've read through a lot of information on the forum, everyone seems so knowledge and willing to help. I didn't need to send them a S.A.R as I kept all my statements. I'm now ready to send the preliminary letter and will be claiming about £1500 over the past 5 years.

 

I'm getting a little confused now though about contractual interest, I'm not sure if that is part of Vamp’s spreadsheet that I used to calculate the charges. Can someone please explain the contractual interest to me?

 

Also does the letter look ok, I used the template in the library for bank accounts but changed it slightly.

 

 

Capital One Bank (Europe) PLC

Executive Offices

PO Box 5281

NG2 3HX

 

[date]

 

Request for repayment of charges

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: 5460 xxxx xxxx xxxx

 

I am writing to ask you to refund to me the charges which you have levied from my account over the last five years.

I now understand that the regime of fees which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent consumer regulations. If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your penalties really do reflect your costs.

Additionally, it has now been confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to the contrary.

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

I consider that your repeated representations that your charges are fair and reasonable are deceptive and that they have deceived me into agreeing to pay them.

Your concealment of the true nature of your charges has prevented me from asserting my right until now.

 

I calculate that you have taken £xxxx plus £xxxx which you have charged me in interest for the sum which you have taken. Total £xxxxx

I enclose a schedule of the charges which I am claiming with this letter

 

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets.

 

I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment.

 

If you do not respond, or you do not respond positively, within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments.

 

After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline.

 

 

Yours faithfully,

 

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Hi coll Welcome

I believe that you need Spreadsheet 16 from Vamps Google site. VAMPIRESS'S CHAMBER OF "CONSUMER ACTI...

 

Your letter looks ok but i think you need to state you are claiming Compounded Contractual Interest in your letter and at what rate your claiming it at, unlike if you were just claiming Stautory Interest and add it when you file a claim.

 

IE. I calculate that you have taken £xxxx plus £xxxx which you have charged me in interest for the sum which you have taken. To this i am also adding CCI at your current Cash Interst rate of 2.074% per month or 28.59% apr Total £xxxxx

I enclose a schedule of the charges which I am claiming with this letter

 

My % figures are from some time ago so you would need to check their highest rate.

 

HTH AL:)

-------------------------

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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  • 3 weeks later...

Thanks for the suggestion e28bigalbexley, I’ve amended my letter. With some help from bill-k on my charges spreadsheet I think I now understand compounded contractual interest a little better.

 

I'm ready to send my prelim letter to start the process but I’m really scared because with the compounded contractual interest my claim comes to more than £4000. I used the interest rate quoted on their website for my card at 34.9%. What if my claim is the one they defend in court, I don't know if I’m up to standing in court against them with their expensive lawyers.

 

I'm also worried that they'll want me to pay off the outstanding balance of about £1100 immediately.

 

Sorry to go on I’m really worried. I’ve got two other claims to start with Lloyds and Citi cards, so I should get a move on but I’m really worried. Also how do I know if cap one has defaulted my account.

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Lots of people have been where you are, CCI is a recent introduction but the banks/CC co's have been paying out. if you are unsure then you should stick to the stautory 8% (added when you go to court). Alternatively when you do file for court, in your particulars of claim you could initally claim for 34.9% but as a back up the standard 8% which ever the judge sees fit.

To find out if you have been defaulted go to Equifax or Experian websites (these are the 2 most used CRA'S used by the banks/CC co's) and get a copy of your credit file from both (£2.00 a time i believe) although they do run promotions (on line)from time to time it can cost you NIL. Use the prelim template in the libary and adapt the paragraph for the default, until you can get you credit file sent to you.

Try not to worry keep paying what you can, the max claim in small claims is £5000 before interest i believe but either way your fine and inside the max limit.

Now chin up big smile and carry on if your stuck come on here and have a chat and someone will put you at your ease, we are one big happy family:D

 

AL:)

-------------------------

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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I think she is working on them this weekend i shall get some conformation for you from a man who knows (hope you like apes;) ) back in a while.

 

AL:)

-------------------------

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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Hi e28bigal bexley

 

thank you soooo much! im also really confused as to what i can and cant claim for from cap1...can i claim for purchase interest, balance transfer interest, overlimit fee, late payment fee, cash advance fee & cash interest?:confused:

 

thank you once again :)

Peaches' mum

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You can claim over limit fees and late payment fees, returned cheque fee.

you cant claim the interest ie. purchase interest is when you buy a pair of shoes using your card:o . cash advance fee is when you draw cash on the card via a cash point or in a bank. balance transfer fee is what it says (probably promotional and a lower interest rate for a time).

HTH:)

 

AL:D

-------------------------

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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Well Compounded Contractual Interest is what you can charge them in the interest of fairness and balance (otherwise know as mutuality and reciprocity) basically they charge you interest at their top rate (34.9%apr) if you go overlimit/late payment, so you charge them the same rate for taking your money and charging you interest unlawfully.....Fairness and balance:D

AL

-------------------------

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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Peaches mum

have you got a thread of your own so this one does'nt get hijacked. also the Monkeys PM box is full and till he empties it i cant get him to answer your query on the Google spreads. Meanwhile PM me a link to your thread:D AL

-------------------------

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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I'm in the same situation Peaches. £200 LIMIT. £577 owed from going over that limit from THEIR charges by £1.60 ... Despite paying of £50, £60 here to get it cleared, the account just keeps climbing back up

Capital One SAR sent-15.03.07. Info recieved-13.04.07

Barclay Card SAR sent-15.03.07

 

WORK IN PROGRESS :cool:!!!;)

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Hi - sorry for the delay.

Peaches Mum: As AL says, you claim just penalty charges. But you can claim the portion of the interest that was charged on them, if you want. It involves a bit of extra work, though, so it's up to you to decide if it's worth the effort. You might find the links below useful, too.

 

I've been posting this up everywhere I can:-

Just an announcement from Batty Bill here. Vampiress has announced that her Google Chambers will be closed for a while, as they are undergoing a "Re-Vamp"

Mindzai's spreadsheet will not be affected by this, and should still be available.

 

For those needing compound interest spreadies, this is available for download, along with Excel versions of Vamp's Recommended #5 (for current accounts) and #16 (for credit cards) spreadies here:

 

http://www.cagmembers.go2.to/

Spready guide:

http://www.consumeractiongroup.co.uk/forum/post-50088.html

HTH

 

Bill. :)

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I just want to know if can claim this whilst the account is at the debt collectors and is not paid yet or can I only claim after the account is paid ? :confused: I'm just so confused

Capital One SAR sent-15.03.07. Info recieved-13.04.07

Barclay Card SAR sent-15.03.07

 

WORK IN PROGRESS :cool:!!!;)

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  • 2 weeks later...

Hello everyone

 

I've been really busy at work so i haven't had time to come on the forum. I gave my self a good talking to and finally sent my prelim letter and schedule of charges to CAP one on Tuesday 13 Feb.

 

I can now start on my claims from CITI and lloydstsb.

 

Thanks for all your help, i'm sure i'll be asking for more help as time goes on.

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Hello everyone

 

I've been really busy at work so i haven't had time to come on the forum. I gave my self a good talking to and finally sent my prelim letter and schedule of charges to CAP one on Tuesday 13 Feb.

 

I can now start on my claims from CITI and Lloyds TSB.

 

Thanks for all your help, i'm sure i'll be asking for more help as time goes on.

 

I'm one day behind you re cCap 1 - Good luck and keep us posted.

Just hate every DCA out there

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  • 2 weeks later...

Hi all

As per usual Cap have ignored my prelim letter, so I’m now going to send my LBA. I’ve got a quick question do I send the LBA to the same address as the prelim letter.

I understand that in the LBA I should reiterate that I’m claiming contractual interest and I need to reconfirm the amounts I’m claiming as I hadn’t put lines in the spreadsheet for months where I didn’t get charged.

I wish there was a way I could speed this up, I want to get it done before the OFT come back with a decision, which may mean an end to being able to claim these charges.

Thanks for your help in advance.

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Yep same place as the last one and they probably wont acknowledge that either:evil:

Yes put in another shedule as well.

 

AL:D

-------------------------

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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They don't reply to letters yet they pester you with millions of phone calls :mad: but I'm not going to give up.

 

Do i send the LBA letter to the same address as the prelim.

 

 

Thats it dont give up.

 

LBA same addy;)

 

AL:)

-------------------------

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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  • 2 weeks later...

Hi everyone

I’ve been so busy the past couple of weeks that I haven’t had time to update you on my progress with capital one.

I sent my LBA on the 5th March. I was getting quite miffed that I hadn’t received a fob off letter from Mr. Udy.

I didn’t have to wait very long because three days later I received a letter from Mr Udy basically offering the difference between the old £20 fee and the new £12 fee which according to him comes to £388. I’m claiming over £4500 from cap one. So I’ll be rejecting this offer.

I wanted some advice on what I do now, should I accept his offer as part payment and tell them I’ll continue on to filing a court claim which is due to be done on 16 March.

or

I reject the offer completely, and continue to file a court claim

All ideas welcome.

Thanks

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