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    • sorry but that letter needs to be much much better. you need to express that it was a stilly youthful mistake trying to be the big man and jumping the turnstile to look big infront of your peers. TfL prosecutors are on the email address on their first letter. get the court form sent back to the court , (but copy it first) stating you plead guilty and wish to attend to address the judge in person face to face to show your genuine remorse for your stupid youthful exuberance.      
    • I thought I should send the begging letter to the prosecutor. Does the hearing means the time I need to send back by? If so, it’s June 5  I plan to send the new begging letter as following, can I ask for some suggestions? Dear Investigator/Prosecutor,  Thank you for your reply. I deeply regret my actions and the inconvenience they have caused.  I’m extremely remorseful for my crime. and regret it everyday. I often ask myself ‘’how can I do that thing just because I felt it is interesting. There are a lot of crimes in the world, but feeling it’s interesting is certainly not a reason to crime. I should not crime with any reason.’’ I think about these things every day, and I understand that I can’t blame anyone but myself.  I thanks to the staff who stopped me, as this is a valuable lesson in my life. I told myself that I should never ever repeat such a thing again, and never ever do anything which is possible to be in breach of any law. As a result, I carefully tap my oyster card every time before I enter the station now. I remind myself that I did a wrong thing before, and I should never let it happen again.  Although my monthly travel expenses do not warrant a season ticket, but I just renew my season ticket (please see the attachment). I understand that a crime cannot be truly compensated for, but purchasing a season ticket offers me a small measure of comfort, knowing that my actions caused a loss to the public interest.  I received an email which ask me to negotiate being class teacher in this summer (please see the attachment). I hope that I could teach the lovely students again, which may not be allowed with a criminal record. I would please ask that you would please provide me a single opportunity to settle all outstanding sums owed outside of court without the need for legal proceedings which would have a determinantal impact on my teaching career.  I sincerely apologise again for my crime. If you need anything further from me to help you please let me know.   Yours sincerely,
    • LoL Dx you crack me up. Thanks for the advice. I'll stay positive.
    • Utter Rubbish!! lowell dont write and beg for deals once they start court. as for your attitude, we'll thats nothing new for you.😎 you wont be quizzed, it's not like TV, simply refer to your defence/WS when answering anything the judge may ever ask. well it involves chickens. dx  
    • Thanks fk, I hope I don't have to face the court. Bless you for the reassurance. 
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Defaulted Credit Card.. Can I Still Claim?


Aaron_H
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Im going to fight the Default seperate. Default notices can still blemish your record, even when settled. Ive thought I'll get payment 1st, then fight the default notice. Once thats settled, Im going to take some independent advice & see if I have a case to 'sue' them or claim compensation for the hell they put me through.

 

Including threats of bankrupting me, sending in Bailiffs, etc. Even phoning up & asking for my by 1st name & saying that they was a friend or work colleague. All the above tactics are illegal. Pity I didnt record the times & dates they tried it.

Capital One Credit Card

DPA Request Sent 17/05/06

Confirmation Letter about Request Received 26/05/06

All Data Arrived 10/06/06

Letter Sent for Refund 14th June

Partial Offer Received 6th July

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Aaron - I know what you mean about the way they persecute people - the stuff I am chasing now is from when my Hubby was made redundant and the firm went into liquidation owing him wages etc.. - we couldn't get benefits as he was owed money etc.. and we had literally everyone on our backs at the same time chasing payments - our phone was none stop and letters etc.. - so now Intend to hit back - I didn't know these people were doing illegal stuff back then cause I'd have fronted them out - amazing how we live and learn isn't it??

 

I can't blame anyone for fighting these big companies - to think how they lean on people like they do and make their lives hell - it maddens me to think of how this company and others made us feel - and they just pile on charges to fatten their profits!! Time to get our own back on them I reckon and make them pay back now and sort the damage they caused!!

 

Seems we will win - a worst they string it out - but they'll still have to cough up in the end - I am glad time has passed since they did this as I am less angry now and intend to get even with them!!

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Right. Had a letter today from Capital One with their intention to defend all of the claim. They have filed an Acknowledgement of Service that will give them an extra 14 days - (so 28 Days in Total)

 

Does this mean I have to do nothing but wait? Or Do I have to file my argument?

Capital One Credit Card

DPA Request Sent 17/05/06

Confirmation Letter about Request Received 26/05/06

All Data Arrived 10/06/06

Letter Sent for Refund 14th June

Partial Offer Received 6th July

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  • 2 weeks later...

Bump?

 

Do I have to do anything now Capital One have filed an Acknowledgement of Service ???

Capital One Credit Card

DPA Request Sent 17/05/06

Confirmation Letter about Request Received 26/05/06

All Data Arrived 10/06/06

Letter Sent for Refund 14th June

Partial Offer Received 6th July

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Bump?

 

Do I have to do anything now Capital One have filed an Acknowledgement of Service ???

 

Just wait for them to settle, that is all :)

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Aaron,

From what I am reading they should pay up anytime now - I just had a quick look through the other threads and seems you are near the end now etc. so good luck - I am hoping you don't have long to wait now :lol:

 

I file my claim next week (tuesday) so I am not far behind you!!!

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Whooo!!

I hope so to :-D

 

Im buying property & could have the keys this weekend! The money will be a timely boost for Deco (1st time buyer) & will put an end to my old problems :-D

 

Good luck with your case Elizabeth1. Ill keep this thread updated as an when I hear anything.

 

Just to add.. My Other Credit Card Lloyds TSB - Ive had all my details back & my account status is practically parallel to that of Capital One.

Charges that added up came to less than £100. - Big show of difference eh?

Capital One Credit Card

DPA Request Sent 17/05/06

Confirmation Letter about Request Received 26/05/06

All Data Arrived 10/06/06

Letter Sent for Refund 14th June

Partial Offer Received 6th July

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Good luck , i too am watching with interest. I defaulted with capital one in 2003. I wish I still had the paperwork from them, all i could find was one letter from the debt collection agency saying if i paid the amount they wanted within 3 months (it wasn't the full amount outstanding) they would consider it as a full and final settlement. Obviously when i checked experian it is only down as partial settlement, it seems like they have done this to a lot of people. Still waiting for my statements so i can see how many charges there are. I may actually go down the N1 claim route and ask for removal of default at the same time.

Barclaycard

S.A.R sent 27th Sep

Partial Statements (Microfiche etc) received 5th Oct

Preliminary Request (Estimated Charges £864) Sent 11th Oct

L.B.A (Data Protection Act) Sent 12th oct

£288 Offered 18th Oct

Letter Before Action Sent 27th October

MCOL 10th November

Claim Acknowledged 29th November

Court Date Set for 27th April

 

Captial One

S.A.R sent 27th Sep

L.B.A (Data Protection Act) Sent 4th November

Preliminary Request for £633 and removal of default sent 22 November

L.B.A Sent 12th December

N1 Filed 25th Janaury

 

 

Halifax

S.A.R sent 11th Sep

Preliminary Request for £327.95 sent 30th Oct

L.B.A sent 15th November

MCOL 29th November

Settled - £443.98 14th December

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Good luck , i too am watching with interest. I defaulted with capital one in 2003. I wish I still had the paperwork from them, all i could find was one letter from the debt collection agency saying if i paid the amount they wanted within 3 months (it wasn't the full amount outstanding) they would consider it as a full and final settlement. Obviously when i checked experian it is only down as partial settlement, it seems like they have done this to a lot of people. Still waiting for my statements so i can see how many charges there are. I may actually go down the N1 claim route and ask for removal of default at the same time.

 

IIRC Capital one use a company called Newmans & Co.

One thing I done before settling was ask for written confirmation that the settlement would be final & I refused to make a payment until that letter came through. I would contact the Debt company who you settled with & ask the status of your account. If they settled in full, then ask for written confirmation

Capital One Credit Card

DPA Request Sent 17/05/06

Confirmation Letter about Request Received 26/05/06

All Data Arrived 10/06/06

Letter Sent for Refund 14th June

Partial Offer Received 6th July

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latest update :

 

I just checked moneyclaim & the latest is :-

You are unable to take any further action online on this claim.

 

The Defendant disputes the whole amount you have claimed. Your claim cannot proceed online and will be transferred to the appropriate court for continuation. You will receive confirmation to where the claim has been transferred to shortly.

Capital One Credit Card

DPA Request Sent 17/05/06

Confirmation Letter about Request Received 26/05/06

All Data Arrived 10/06/06

Letter Sent for Refund 14th June

Partial Offer Received 6th July

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Happy Days.

 

Just received a letter in the post saying my Cheque is on the way for full & final settlement. Perfect timing as the solicitors bill hit the mat with it for my home buying :-D £1200 in & £600 straight out! hehe.

 

Next stop is to get my default noticed removed.

Capital One Credit Card

DPA Request Sent 17/05/06

Confirmation Letter about Request Received 26/05/06

All Data Arrived 10/06/06

Letter Sent for Refund 14th June

Partial Offer Received 6th July

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Congratualtions!!! now that is good news!!! So pleased for you!! :D

 

 

I am filing my claim at court this afternoon - so looks like "here goes" :)

 

 

Is it just me - or is everyone elses letter box full of junk mail off cap1 too ?? everyday there is someone in my house with one of their mail shots offering loans, credit cards - must be costing them a fortune? Or am I just noticing it cause I am dealing with them right now (perhaps they are usually so actively sending mailshots anyway?) - still they get filed under B for BIN :D

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  • 12 years later...

This topic was closed on 10 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

Capital One Credit Card

DPA Request Sent 17/05/06

Confirmation Letter about Request Received 26/05/06

All Data Arrived 10/06/06

Letter Sent for Refund 14th June

Partial Offer Received 6th July

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