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    • 1. who knows... 2. not the whole A/C vanishes from your file on the DN's 6th b'day ...already carefully explain this. 3.yes 4.already carefully explain this.
    • if i remember rightly, long ago in one of the first drafts of the old proposed gov't overhauls, there was a listing of recommended 'charges' that inc wrong reg = £20. some PPC's implemented such changes in advance. then later as it looked increasing likely the new code was never going to be implemented after it's 1st review and another set of codes was to be debated they all quietly revert back .......... dx
    • Potentially it may not even get sold on? Just the default left for 6 years then gone? but if it is sold on ill get a letter from the DCA which is the notice of assignment? Sorry what is the different between a default notice and a default cal marker? yes, i may try and work arrangements out with the OCs after the breathing space but I'll see my circumstances then thank you again for all your help and patience, I really appreciate it and apologies If i am too fast or repeating myself.
    • receiving a default NOTICE (forget simple default cal markers) does not mean it will get sold on... OC's very very rarely do court themselves.  if it does you would receive a Notice of Assignment from the debt buyer/DCA.  as for reduced payment if it remains with the OC and they issue a DN, no harm in trying but lets get all your ducks inline first. dx  
    • okay thanks do you know how long it will take for it to get to the DCA or could the OC try and issue a CCJ? even though it's unlikely also for example would the OC agree to a reduction and a small payment over a super lengthy period of time if agreed? Rather than go through chasing apologies again for all the questions, just trying to understand all the possible scenarios.  
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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.

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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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