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Dolly Day Dream v Capital One**Wonn Contractual!!**


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Prelim letter now printed and ready to send. The claim is for £504 - I added one charge twice originally because they sent me two copies of one page of my statements. I am on my way to the post now!

 

DDD.

 

Good luck- keep us posted...That press release by the Judge today should help all our causes :-)

Just hate every DCA out there

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Sorry to interrupt, which press release pmfchc?

 

Rouge

 

A senior civil judge has called on the financial regulatory authorities to investigate the legality of bank charges in the absence of any firm court ruling.

Judge Paul Collins, senior judge at the Central London Civil Justice Centre, said his fellow judges were "frustrated" at the number of legal disputes between banks and customers.

He added that the legal community was "concerned" that due to banks settling out of court, no ruling had been made on the matter.

The comments were made as part of a Tonight with Trevor McDonald special on the issue of bank fees.

Over recent weeks, a growing number of people have successfully challenge their banks over what they claim to be unfair and unlawful fees.

Customers have threatened to take financial institutions to court over unauthorised overdraft fees that can be as high as £35.

But the disputes are always settled before being heard, denying the courts the opportunity to make a ruling.

Judge Collins told the programme that an attempt was made to arrange a test case, by grouping together more than 30 cases, but they were all settled.

He said: "It is clear from discussions with judges across the country that there are a huge number of cases in which customers have been suing banks in relation to bank charges.

"None of these cases, so far as I know, have ever been brought to trial because the banks have always settled them, sometimes at quite a late stage in the proceedings. Because of the sheer number of the cases and the fact that they haven't been brought to a decision, I think it is fair to say the judges are frustrated."

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Just hate every DCA out there

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  • 2 weeks later...

You need to send them the rejection letter now. There are a few in the templates library..Stick to your timetable, they will pay eventually.

 

Uk

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  • 2 weeks later...

And you will get your wish after you have filed your N1 . . Soon after that part of the process is done..They may defend first then pay up ..

 

Uk

WARNING TO ALL

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Thanks UK. I have been in to the court today and filed my claim. Felt like an old hand after my success with Nationwide. Not so much money due this time, but as the supermarket ad says "Every little helps"! :-D

DDD.

Dolly Day Dream

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Should get your money very soon now Louloubella..

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I am claiming 34.9% contractual compounded interest, with the alternative of 8% simple interest. The likelihood is that they will just pay the 8%, but it's worth having a go! Good luck with your claim.

DDD.

Dolly Day Dream

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  • 2 weeks later...

Will they pay it into my bank account or send me a cheque? It's not quite the same as the obsessive checking of my account when I was waiting for Nationwide to pay up, although I keep looking just in case! I have just seen the optician and ordered some new glasses, and as I am a little old lady need varifocals which cost an arm and a leg. Some extra money would come in quite handy.

DDD.

Dolly Day Dream

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They seem to pay in different ways, some people seem to have had a cheque and others the balance paid off of their card, who knows, hopefully a result soon. Have you still got a balance on your card?

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