Jump to content

  • Tweets

  • Posts

    • Why not ring the contravention unit (sic) of the council first. Find out why this has happened, but I've a funny feeling it will result in you using the appropriate forms in that link.   They might deal with the bailiffs for you, as there appears to be some comms breakdown .
    • My final ticket:      1.      The original Claimant agreed to undertake building work (Project 1) at the original Defendant/now Part 20 Counterclaimant’s property in relation to 3 specific areas of work for an agreed price of £4300.  The work was:   a. To underpin the bay window at the property, b. To replace and repair a previously-removed chimney breast and, c. To install a new beam to the patio door.   2.      It was agreed that Project 1 was to be carried out under the instructions of a structural engineer engaged by the Defendant/Part 20 Counterclaimant and that the Claimant’s work would be as a result of instructions received following the structural engineer's assessment of the property.   3.      Between June and July in 2020 the Defendant/Part 20 Counterclaimant provided the Claimant with a full copy of the structural engineer's report which detailed instructions to the Claimant for the works to be carried out.   4.      It was agreed between the parties that the works would commence on 13 August 2020.   5.      It was agreed between the parties that payments for Project 1 would be made in three instalments. The first payment would be made at the start of the Claimant's work. The second payment would be paid at the halfway point of the Claimant's work. The final payment would be made on completion of the total works.   6.      The Claimant commenced work on 13 August 2020 and the first instalment due was paid.     7.      On 24 August 2020 the Claimant asked the Defendant/Part 20 Counterclaimant to arrange an inspection of his work by the Building Control Inspector.  The Claimant also stated that Project 1 was approaching mid-way and the Defendant/Part 20 Counterclaimant paid the second instalment due.   8.      The Building Inspector arrived to inspect the Claimant’s work but the Claimant was absent.  The inspector was obviously very displeased by the standard of the Claimant's work.  The inspector spoke to the Claimant by telephone, asking him why he was absent and interrogating him about the work he had done.  The inspector then gave him some instructions over the telephone and also left a list of instructions with the Defendant/Part 20 Counterclaimant to be passed on to the builder.  The building inspector then said he would be getting in touch with the Defendant/Part 20 Counterclaimant’s structural engineer with his findings and the Defendant/Part 20 Counterclaimant should hear from the engineer soon.   9.      The Defendant/Part 20 Counterclaimant passed on the Building Inspector’s instructions to the Claimant who agreed to follow them.   10.  The structural engineer visited and recommended piling to complete the underpinning for Project 1.  The Claimant explained that he could not undertake this work. The structural engineer then suggested an alternative company to the Defendant/Part 20 Counterclaimant to do the necessary work and this company was engaged by the Defendant/Part 20 Counterclaimant to complete the necessary piling at an additional cost to the Defendant/Part 20 Counterclaimant of £3000. (See receipt at Exhbibit-1).   11.  The Claimant asked if the Defendant/Part 20 Counterclaimant needed any more work to be done and, despite the problems encountered on Project 1, the Defendant/Part 20 Counterclaimant agreed on 7 September 2020 to have more work done (Project 2) at an agreed price of £2580 and on similar payment terms to Project 1.   12.  As work commenced on Project 2 and was continued on the remaining work for Project 1, the Defendant/Part 20 Counterclaimant had occasion to make several complaints to the Claimant regarding the standard of his work.   13.   Barely a week after starting on Project 2, the Claimant demanded payment for that work.  After a period of negotiation the Defendant/Part 20 Counterclaimant paid the Claimant £1500 in cash.  Both parties agreed that this left a balance outstanding on Project 2 of £1080.   14.  It later came to the Defendant/Part 20 Counterclaimant’s attention that the Claimant had removed material (including a steel beam) from the Defendant/Part 20 Counterclaimant’s property that the Defendant/Part 20 Counterclaimant suspects either belonged to him or had been paid for by him in connection with Project 1.  When the Claimant challenged admitted he had done this.  The Defendant/Part 20 Counterclaimant has included the value of this material in his counterclaim detailed below.   15.    On 21 September 2020 the Defendant/Part 20 Counterclaimant highlighted and sent a snagging list to the Claimant (Exhbibit-2).  Over a month later the Claimant sent an employee to attend to this work.  It was not carried out satisfactorily and resulted in an updated snagging list being sent to the claimant (Exhibit -3).  All of this snagging work remains undone by the Claimant.   16.  Apart from the outstanding snagging work referred to in para 16 above, the Claimant also left other work from Projects 1 and 2 uncompleted.  That work which was not completed is listed at ( Exhibit 4.)   17.  During the course of carrying out work on Projects 1 and 2 the Claimant also negligently caused substantial damage to the Defendant/Part 20 Counterclaimant’s property (as itemised in  Exhibit-5) by not executing the work with the skill expected of a reasonable tradesman.   18.  The Defendant/Part 20 Counterclaimant seeks an order from the court directing the Claimant to pay to the Defendant/Part 20 Counterclaimant the sum of £16,577.12 in respect of:   (a)   the cost of the piling referred to in para 10 above which the Claimant could not undertake and another contractor had to be paid to complete; (b)   the cost of completing work the Claimant had left undone from Projects 1 and 2 referred to in para 16 above; (c)   the cost of remedial work to put right the damage negligently caused by the Claimant and referred to in para 17 above. (d). the cost of the steel beam referred to in para 14 above put down as estimated.   A receipts in respect of 3 items (a) - see Attachment 1 – Page-4-8 for:   (i) £3,000.00 GTM piling,                                                      (ii) Rubble truck £387.12                                                     (iii) £250.00 to Mellor the roofer   The two priced quotes in respect of items (b) (1) Cheshire Bespoke Building Limited for £5,190.00,  and (2) Mellor Roofing Specialist. (c) – see Attachments 6 and 7 - are attached in support of this counterclaim.     The defendant/Part 20 counterclaimant is claiming 8% interest under the County Courts Act 1984 from the 26 October 2020 which was the last day the       STATEMENT OF TRUTH   I believe that the facts stated in this particulars of counterclaim are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.’.    
    • I can't say for certain whether it is all paid up but it certainly suggests that you are getting any more trouble in the future. However, come back to us if they start writing
    • See if they chase you then??   Dx
  • Recommended Topics

  • Our picks

  • Recommended Topics

Coll2900 V Capital one - Help Needed


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5233 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


Start your own new thread

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



Recommended Posts



You should accept the offer as part payment only. There are rejection letters in the Bank Templates Library.




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

Link to post
Share on other sites

I've got one more question, if anyone can help please, when I send the rejection letter accepting their offer as part payment, should I also sign the form they sent with the letter. Maybe I should amend and sign the form?

Link to post
Share on other sites

No don't sign anything they send you. This is a standard response from Capital One.




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

Link to post
Share on other sites

  • 3 months later...



After a good few weeks of not being able to go anywhere with my claim, I’m ready to start the court process. I sent cap one a rejection letter after they offered the £8 difference. The rejection letter gave them 14 days to pay up or I’d start court proceeding, 14 days is now up.


Can someone please, please, please have a look at my POC, I know that we shouldn’t be posting full POC but I’m claiming contractual Interest so this isn’t the normal one. I don’ want to get it wrong at the court stage. I’ve used Vamps new spreadsheet ‘Throughout claim with contractual interest’ but I’m a bit unsure of the figures to use in the n1 form


My questions are in red. Many thanks for your help


Value Section

Charges £xxx.xx

Overdraft Interest £xxx.xx – should I change this to interest paid on charges

Interest under s.69 County Courts Act 1984 £xxx.xx and change this to Compounded Contractual Interest

Court Fee £xx.xx

TOTAL £ xx.xx


Plus interest pursuant to S.69 County Courts Act 1984 from date of issue to date of judgement/settlement at £xx.xx per day [(enter daily rate here - (CHARGES+OD interest)x 0.00022 = pence per day)] OR at such rate and for such periods as the court deems just. have no idea what to say here for CCI



I just don’t know what to say for this bit




1. The Claimant has had a credit card account ("the Account") with the Defendant, which has been open since January 2002 and remains open.


2. During the period in which the Account has been operating the Defendant debited numerous charges to the Accounts in respect of purported breaches of contract on the part of the Claimant and also charged interest on the charges once applied. The Claimant understands that the Defendant contends that the charges were debited in accordance with the terms of the contract between itself and the Claimant.


3. A list of the charges applied is attached to these particulars of claim.


4. The Claimant contends that:

a) The charges debited to the Account are punitive in nature; are not a genuine pre-estimate of cost incurred by the Defendant; exceed any alleged actual loss to the Defendant in respect of any breaches of contract on the part of the Claimant; and are not intended to represent or related to any alleged actual loss, but instead unduly enrich the Defendant which exercises the contractual term in respect of such charges with a view to profit.

b) The contractual provision that permits the Defendant to levy such charges is unenforceable by virtue of the Unfair Terms in Consumer Contracts Regulations (1999), the Unfair Contract Terms Act 1977 and the common law.


5. The claimant claims compound interest on the amounts claimed, using the rate and method as applied by the defendant to monies it is owed. A schedule of the charges and interest calculated is annexed to the Particulars of Claim. The claimant’s ground for seeking restitution of the compounded contractual rate of interest is that the defendant would be unjustly enriched if the claimant's entitlement was limited to the statutory rate of interest in that the defendant has had use of the sums and would have used these sums to re-lend at commercial compounded rates. Additionally, the Claimant has not had the benefit of the sums and has therefore been unable to use said sums to repay borrowing elsewhere.


6. Alternatively, if the court decides that the claimant is not entitled to the contractual rate of interest (as outlined at point 5 above), then the claimant claims statutory interest under s.69 of the County Courts Act 1984.


7. Accordingly the Claimant claims:

a) the return of the amounts debited in respect of charges on the Account in the sum of £1,256,


b) the removal of any prejudicial information which the Defendant bank may have passed to third parties in relation to the Account and in particular the removal of all Default Notices registered with credit reference agencies since this was caused solely by the level of disproportionate penalty charges. The Claimant’s request is made under the Data Protection Act 1998, section 14, which gives the power to the Court to order the removal of inaccurate personal data,



c) a refund of all interest paid on the said charges amounting to £2,816.19, (This is the total of column E interest on penalties)


d) compound interest on the said charges at the contractual rate of 34.9% at £1,497.93, (this is from column K Bank interest on penalties and column L Int. on bank int. on penalties)



e) alternatively, if the court decides that the claimant is not entitled to interest in accordance with the contract, then the claimant claims interest under s.69 of the County Courts Act 1984 at the rate of 8% per annum calculated from 9 March 2002 to 12 June 2007, which is £1,658.07 (I’ve used the 8% bit from the complex spreadsheet and have added the totals of penalty charged, 8% on penalties, interest on penalties, 8% on interest on penalties)


f) Court costs;


I believe that the contents of these particulars of claim are true.

Link to post
Share on other sites

  • 2 months later...

Hope there are few people still around to help, I've got a dilemma. After filing my n1 for a total of £5933 including CCI, Cap one has paid up £2506, which are the charges plus the 8% interest and the court fee of £250. That leaves just the CCI going to court if I continue. £1422 went to clear my outstanding balance on the card and I’ve received a cheque for £1084.


I have to respond to the AQ by tomorrow and pay the £100 fee, which I don’t get back.

I want to just accept and leave it t this stage but what happens to the default.


Am I right in thinking that the default can only be removed if I win outright in court?


I know I’ve left this to the last minute so any help would be greatly appreciated.


Thank you

Link to post
Share on other sites

Am pretty certain you have to carry on to court to get the default removed, unless you try for it later in a new claim but its very difficult. The CCI going to court on its own might be a bit dodgy , there's a thread on here Linsey V Capital One which you might want to have a look at. This is the best I can do, I'm not an expert and I'm sure someone more clued up than me will be along soon.

Link to post
Share on other sites



It seems to me that essentially you have to decide whether to accept or decline the offer, and an offer is all it is at the moment. Don't forget that you have asked the Court to decide the rate of interest, it's not for Cap1 to dictate.


Numerous people have been in the same situation as you are now.......


Some people have accepted the offer and called it a day. However, this makes it difficult to persue anything you originally claimed for at a later date; things like removal of a default or the difference in interest rates won't be easy to chase later.


Some have accepted the offer as part payment and carried on with the full claim.


And some simply decline the offer and continue with the claim by returning the cheque and informing Cap1 to remove any credits made to the account.


I think the call is entirely yours.........


Good luck whichever you decide.






S.A.R. - March 06

Settled in full £2300 - May 07



RFP - 13 June 07

N1 Filed- 20 July 07

Stayed - 07 Sep 07


Capital 1

S.A.R. - 25 June 07

Statements recieved - 29 June 07

RFP (with CCI) - 10 July 07

LBA (with CCI) - 30 July 07

N1 Filed (with CCI) - 19 Sep 07

Offer recieved (8% not CCI @ 34.9%) 28 Sep 07

Defence Filed (on basis that claim settled) 02 Oct 07

Cheque recieved and banked 16 Oct 07

Link to post
Share on other sites


  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?

  • Create New...