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theonetrickpony v capitalone


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Hello, here is my saga re the claim i put in against capital one for charges to my credit card.

 

10/1/07 - sent SAR request

 

24/1/07 - full list of charges received (no payment requested)

 

26/1/07 - sent first demand for charges totalling £652 to be repaid (32 charges @ £20 plus 1 @ £12)

 

7/2/07 - standard letter received from Robert Udy. As a gesture of goodwill offer to reduce fees to £12 each. Total amount of grand gesture £104. Obviously his calculator button must have got stuck as 13 x 8 =104 but 32 x 8 = 256!

 

13/2/07 - replied to mr Udy, thanks but no thanks. Threat of court action unless full amount repaid.

 

23/2/07 - Mr Udy replied to say offer of £104 still stands. 'i won't be increasing this as it is my final offer'. 'put this behind us and save the courts valuable time'. CHEEK!

 

26/2/07 MCOL 748.62 (amt plus interest) + court fee £828.62 .....and rising daily.

 

01/3/07 - capital one acknowledged claim.

 

I am actually quite impressed that they answered all my letters quite swiftly. This has been the easiest one to do! Now waiting to see what they do next - hopefully send me a fat cheque!

 

6/3/07 - informed mr Udy court action had already begun.

 

 

capital one £828.62 mcol raised 26/2/07

SPML £1989.72 LBA 16/3/07

Bank of Scotland mortgage £?? SAR 16/3/07

Prestige Finance £330 LBA 16/3/07

GMAC £??? SAR 01/2/07, LBA (NON COMPLIANCE) 13/3/07

Welcome Finance £??? SAR 01/2/07, LBA (NON COMPLIANCE) 13/3/07

Capital one (husbands) £??? SAR 31/1/07, LBA (NON COMPLIANCE) 16/3/07

Barclaycard £??? SAR 10/2/07

Forthright Finance £??? SAR 12/3/07

LLoyds TSB business a/c £296.77 LBA 21/3/07

LLoyds TSB current a/c £??? SAR 10/1/07

LLoyds TSB husbands a/c £??? SAR 10/1/07

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Fingers crossed for a nice fat cheque dropping through your letterbox soon mate. Good luck :D

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Have finally received reponse from Gmac - 1 day before deadline for non compliance claim! Letter prepared to send on monday to claim back rip-off charges. Has anyone successfully got arrears charges & bouced fees bach from gmac yet?

 

capital one £828.62 mcol raised 26/2/07

SPML £1989.72 LBA 16/3/07

Bank of Scotland mortgage £?? SAR 16/3/07

Prestige Finance £330 LBA 16/3/07

GMAC £2465 LBA 19/3/07

Welcome Finance £??? SAR 01/2/07, LBA (NON COMPLIANCE) 13/3/07

Capital one (husbands) £??? SAR 31/1/07, LBA (NON COMPLIANCE) 16/3/07

Barclaycard £??? SAR 10/2/07

Forthright Finance £??? SAR 12/3/07

LLoyds TSB business a/c £296.77 LBA 21/3/07

LLoyds TSB current a/c £??? SAR 10/1/07

LLoyds TSB husbands a/c £??? SAR 10/1/07

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Hi,

 

Have a look in the Other Institutions Forum, then Other Institutions Successes. You should find something helpful in there.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

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  • 2 weeks later...

Today - the day before i was to enter judgement against our dear friends at Capital One - Letter comes in post dated £26/3.

 

Settled in full - they have cleared my £194.67 balance and have raised a cheque to me for the rest!

 

Will have to wait up to 14 working days for cheque but hey... glad to get it!

 

 

capital one £828.62 SETTLED IN FULL

SPML £1989.72 LBA 16/3/07

Bank of Scotland mortgage £?? SAR 16/3/07

Prestige Finance £330 SETTLED IN FULL

GMAC £??? SAR 01/2/07, LBA (NON COMPLIANCE) 13/3/07

Welcome Finance £??? SAR 01/2/07, LBA (NON COMPLIANCE) 13/3/07

Capital one (husbands) £??? SAR 31/1/07, LBA (NON COMPLIANCE) 16/3/07

Barclaycard £??? SAR 10/2/07

Forthright Finance £??? SAR 12/3/07

LLoyds TSB business a/c £296.77 LBA 21/3/07

LLoyds TSB current a/c £??? SAR 10/1/07

LLoyds TSB husbands a/c £??? SAR 10/1/07

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