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Loki187 V's Capital 1 - for charges


loki187
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Had letter today dated saying that they have entered the default!!!!

 

Even though I sent them a letter dated the 30th saying my account is in dispute.

 

HELP anyone????

 

I really need to kick this into touch now!!! I'm thinking off going ahead without the other 2 statments now. I'm livid!!:mad:

 

Can anyone advise as to what my next step is ???

 

There getting a telephone off me at work once this debt collection section has opened!!!

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You may know that I have been trying to get my default removed, see here: http://www.consumeractiongroup.co.uk/forum/capital-one/51318-tanzarelli-capital-one-post416335.html#post416335

 

Crap one have just entered a defence which is just there letter which they sent to me and I refused as a settlement. Only just got the letter and defence from court and it was date 25th Jan, picked it up this morning. If you have writen to inform them that the account was in dispute and then they entered a default after this as a retaliation then I believe they are in some poo and it should be fairly easy to have it removed. I would wrtite to them regarding the fact that you had previously writen to say acount in dispute enclosing a copy of the letter. I would also request it is removed. Have a look at this: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/5078-10-data-protection-act.html also but seek guidance from others before sending it. I am having pc probs at moment so in between computers grabbing the odd 5 mins when I can so wont be about much however keep posting your questions and I or others will try to help if and when we can. I would suggest a pm to Jonny2Bad as he is very knowledgeable on this.

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Right just an update on my current sistuation.

 

... allthough I have only sent a letter asking them to take no further action on my account, and as you have read they did! Anyway I have been busy with selling my house so havent been able to send any further letters. I had a letter from Crapital one on 6th Feb saying that they are going to refund the difference from 20.00 to 12.00 on all my over limit fees which tallyed to £164.00. No mention about all the other fees!

 

Then this evening I get a corking phone call from crapital one saying that my account has been passed back to them from the debt agency, is there any chance that we could come to some sort off arangement! I wiped the floor with him, he didnt know what he was going on about or about my letters. Spent 15 reading the notes on my account. :p Then tried to work out some figures and said so theres anotehr 160.00 in dispute!!

 

Well lucky for them I'm going to send of my pelimary letter tomorrow that should help them work out how much I am disputing, silly people ;)

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Tanz, a little advise please. :p

 

Since i haven't yet sent them my charges for my account do I need to use one of the spread sheets which will talley up my interest and charges? Do i go for this compound intrest? and which spreadie should I use??

 

Also do I send them the pelimary letter or the template that you use for 'thank you for your offer as PART payment' OR a mixture off two. I don't want to confuse them or myself! ;)

 

thanks tanz hun

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It would depend on what you decide to do. If your only claiming the stat 8% then this is applied when you file and not before. However if you decide to claim contractual interest then this is done from the outset, firstly though I suggest some serious reading so you understand the concept.

 

Try here: http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/49074-can-we-have-new.html

 

Here: http://www.consumeractiongroup.co.uk/forum/hsbc-bank/33005-bong-hsbc-contractual-interest.html

 

Here: http://www.consumeractiongroup.co.uk/forum/rbs-bos-successes/49470-contractual-interest-details-case.html

 

But mainly see here: http://www.consumeractiongroup.co.uk/forum/general/18313-why-no-one-claiming.html?highlight=contractual+interest

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