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    • I’m tempted to send a letter to the company outlining the reasons why I think their PCN is illegitimate. I guess will technically be an appeal.  Their documentation states they won’t discuss over phone, I also don’t want them to have my email address.    re signage on entrance, having looked at land registry, the whole road is private, and when you turn into the road off the highway, there is a sign on the lamppost about 20m in, again not noticeable and on the other side of the road.  I feel like I am in a difficult position with this, I understand that I may have a good chance of not having to pay, but at the same token the stress this is already causing me makes me feel like it’s not worth the £60!
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Capital One - late payment fees


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I have been trying to get my late payment fees returned since december. I am now at the stage where they have returned the amount of £88 into my account but they say that they are not refunding the rest of the money as they are in line with other companies by charging me £12 per late payment.

Should I pursue the full amount of my claim or should I accept that I have to pay the £12. The total amount is £132.:-?

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  • 2 months later...

I have went through the full procedure with Cap One and have taken them to court. The case was due to be heard in two weeks time but today I received a letter from them telling me off for paying late blah blah blah but then saying that they were putting the amount I was suing them for back into my account. The question I want to ask is do I have to accept this or can I say that I want a cheque from them and I will continue to pay off the balance which I owe. I am paying very little interest on this and only pay £10 per month so I would prefer the cash. Also the amount which they are taking off my account includes the £39 which I paid to the court. Any advice welcome

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Bibbaliz, they did this with me and I wrote back to them saying I had requested cheque in all my letters and I will continue to court unless they issue me a cheque within 7 days. They sent me a cheque!

Dont cancel court action until your cheque has cleared.

Morgan Stanley

**Won 31.01.07 with CCI**

Capital One

**Won 19.04.07 with CCI**

Halifax current & Joint

Verbal S.A.R 11.01.07, stats recd 18.01.07

Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs

GE Capital

Frazercard Prelim sent with CCI 27.01.07

Burtons Prelim sent with CCI 22.01.07

 

RBOS Visa S.A.R sent 12.01.07

Partners JJB card (Creation) *Won* with part interest - 15.02.07

 

 

Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07

 

Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs

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Good luck, but you should be fine

Morgan Stanley

**Won 31.01.07 with CCI**

Capital One

**Won 19.04.07 with CCI**

Halifax current & Joint

Verbal S.A.R 11.01.07, stats recd 18.01.07

Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs

GE Capital

Frazercard Prelim sent with CCI 27.01.07

Burtons Prelim sent with CCI 22.01.07

 

RBOS Visa S.A.R sent 12.01.07

Partners JJB card (Creation) *Won* with part interest - 15.02.07

 

 

Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07

 

Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs

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  • 4 weeks later...

Hi Davenport, you don't need to cross your fingers - you will win! I have just been given back all the late payment fees plus interest plus court costs. They did not contest it. I know this is being a bit pernickity but they paid the amount of interest which I had put in the court papers up until the 4th April, but I had said that the interest would continue until date of settlement - so they owe me the princely sum of £2.70 - which I have written to them for. They also said in their letter that they still had the right to charge me for any future late payments made to them - I did not accept this. Anyway good luck and I would be surprised if you needed to actually go to court with this one.

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  • 4 weeks later...

hi bibbaliz

i got back from my hols sat and the letter was there waiting saying that they are willing to pay me the full sum and should get a chq within 14 days but when i checked mcol it has changed from saying claim ackowledged to defence so is this normal i do not have the chq yet pls advise as i have no clue:confused:

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Hello everone

 

This is my first posting here, I was redirected from Martin's site and need your help.

I have rec'd final offer from Cap One £248 (claim £632 exc. %).

I have refused this offering the chance for them to pay the £632 to avoid % and costs.

I now need to prepare for next stage. I am thinking small claims but do not know how. It's a Scottish claim.

Thanks for any help.

:)

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Hi, some months ago I received part of my claim against Cap One and was told by them that they were keeping £12 per late payment fee as in this was in line with the OFT guidelines. I did not accept this and took them through the small claims system in the Scottish courts. It cost me £39 and I claimed for the full amount still due to me plus interest at 8%. They did not contest it and I was refunded the amount back into my account leaving me with smaller balance still to pay. I thought about holding out for a cheque but decided to accept it into my account.

It is quite a simple to claim in the small claims court. There is a templet which you can use in this site and all you do is follow the guidelines, take it to the court, pay your £39 and you will be sent a date for the court case. I know that some of the companies are fighting back but I still think it is worth £39 to give it a go and when you win you will get the £39 back. Good luck.

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Hi, some months ago I received part of my claim against Cap One and was told by them that they were keeping £12 per late payment fee as in this was in line with the OFT guidelines. I did not accept this and took them through the small claims system in the Scottish courts. It cost me £39 and I claimed for the full amount still due to me plus interest at 8%. They did not contest it and I was refunded the amount back into my account leaving me with smaller balance still to pay. I thought about holding out for a cheque but decided to accept it into my account.

It is quite a simple to claim in the small claims court. There is a templet which you can use in this site and all you do is follow the guidelines, take it to the court, pay your £39 and you will be sent a date for the court case. I know that some of the companies are fighting back but I still think it is worth £39 to give it a go and when you win you will get the £39 back. Good luck.

Thank you Biibaliz. Well done you! This is just what I was looking for and I will send claim on Monday. I have offered CO the chance to pay up 'till 30th....I know there is little or no chance but they can't say I've not been fair!

It'll be £39 well spent. I'd be happy with refund being put on my account.

Take care.

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