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Ghost_monkey Vs Capital One **WON**


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Hi just realized this is the one claim I have not started a thread on yet.

 

Ok so far data access request letter sent, though this took extra time as they sent it back saying it needed to go to differant address, same company so just a stalling tactic by Capital One.

Have now compiled charges and sent with demand letter about 4 day ago so waiting to here.

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On your demand letter, did you claim contractual interest?..

 

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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  • 2 weeks later...

Just received letter from Capital One dated 30th Jan saying" we think these fees are fair etc but as good will we will reduce fees to £12.00 each and refund this to your account now and this will show in February statement.

So today I will be sending a letter to state only except money into my account as part payment and leting them know that I will start a claim online today.

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  • 4 weeks later...

HAPPY DAYS I HAVE WON!!!!

 

Capital one sent a letter today saying they are refunding the full amount to my account without admitting liabilty.

they had acknowledged the money claim online claim so thought they might drag it out and enter defence but they have'nt,

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Well done ghost monkey. That all went through really quickly!!!!

 

I've just got my prelim ready to go to Cap 1. Am holding off posting as may look a the contractural interest. Did you go for that ??

 

Best wishes

 

jaxads

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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Just received letter from Capital One dated 30th Jan saying" we think these fees are fair etc but as good will we will reduce fees to £12.00 each and refund this to your account now and this will show in February statement.

So today I will be sending a letter to state only except money into my account as part payment and leting them know that I will start a claim online today.

 

Hi Ghost_monkey,

I recieved that letter today. I'm a bit confused though, as it was in reply to my LBA, should I start my claim against them with mcol? or should I send them another letter?

 

Also, how should I word the particulars of claim section?

 

If you could help me, it would be much appreciated.

 

Thanks,

 

Jenny

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Well done Ghost Monkey... good job.

 

Jenny, i have answered your thread..

 

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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Well done ghost monkey. That all went through really quickly!!!!

 

I've just got my prelim ready to go to Cap 1. Am holding off posting as may look a the contractural interest. Did you go for that ??

 

Best wishes

 

jaxads

hi jaxads yes the amount they have paid includes the 8% interest allowed and also the court costs incurred so far.

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