What proof do they need?**WON**

[jshtr3]

Hi everyone.

 

Just about to send my SAR but have moved house (twice) since I had my account with the crap1 and wandered if anyone knew what proof of I.D. they requested (if any) so I could send it with the SAR.

 

Cheeers

[martinhw]

We telephoned them and did a change of address. That was all that we needed to do to get our SAR sent to us.

 

If they don't accept that, a copy of a recent utility bill in your name and new address is more than adequate.

[welshcakes]

woolwich refused to accept my letter instruction of new address (even though they did carry out the other instructions in the letter to cancel a DD!). I rang and they said they hold signatures on file and can match them up with letters which is why they had taken my instruction on part of the letter ....erm, and. However the limp excuse for them not recognising my new address was "money laundering policy". They reckon I have to go into a nearest branch with photo ID to get my new address lodged.

 

Well, since I have a severely disabled partner who I care for 24/7 and there is only one branch in nearest city that would cost me an arm and a leg to park in, I am livid.

 

Fortunately, my friends live at my last address (registered with bank) so I am still able to conduct the first stages of correspondence. I will be writing again to Woolies demanding they take my instruction or I will complain to the disablity rights commission.

 

I even offered them sight of my Inland Revenue, alternate bank and utility bill letters showing my new address but apparently what's good enough for the HMRCS just isn't secure enough for my rotten bank.

[jshtr3]

Well, my word, recieved my copy statements and manual intervention screenshots this morning by recorded delivery!!!! It was a surprise as I expected a bit of a fight, me being at a different address and all. Done the highlighter thing but am concerned/confused. In may and June 2002 I have 3 entries on the same day each month "Late fee refund - £18" A few points about this.

 

1. I dont remember asking for these refunds (thats not unusual) but why would they do this off their own back

2. Why are they all on the same day, is it just 1 charge refunded 3 times or 3 chrges refunded

3. If I do have to remove 6 charges from my SOC's which ones do I remove as there is no reference on the "refund" as to which charge it applied to.

 

Strangely enough I don't trust these bleeders and would welcome any input.

Cheers

[jshtr3]

OK, So charges come to £315 without interest. £467 with 8%. I've been reading a lot of bank threads as I have a claim with lloyds. Been thinking about going for contractual with c/cards but read this week that banks were starting to defend contractual interest,

is it different for credit cards?

has the principle been tested?

If I decide to go for contractual what's the best spreadsheet. I'm not good with them so the easier the better.

[lyns]

I am claiming CCI from capital one. You have nothing to lose at worst they will offer you the 8% like they have done with me at best you can get contractual.

[lyns]

Forgot to add Vamps spreadsheet on google is the one i used and is very easy to navigate.

[jshtr3]

Thanks for that lyn, Will have a look

[jshtr3]

OK, decided against contractual interest. Was happy with the arguments for, but don't think I could argue it in court against a barrister so just going for standard 8%. Rennovating a hpuse at the moment so this could be my new bathroom!!! Posted prelim today. 14days to LBA.

[ukaviator]

I would go for Contractual Compounded Interest. They have charged you this on each charge. Works both ways, and they have been paying it. You probably won't go to court, they have'nt yet over charges..

 

Uk

[jshtr3]

Cheers UK aviator.

My issue with doing this is that

1. This is an old/closed account and the charges date 2000-2001 so it will be my first one over the 6 year limitation. Kind of worried about that as this is still new territory (but not for long I feel)

2. It's only a small claim (approx £350+ interest) CCI at 34.94% brings it to almost £2500 but at the authorised borrowing rate 18%ish it drops to £800 including interest. £500 with 8%. I've seen a couple of threads where Cap1 state they only charged on charges at authorised rates.

 

If I'm honest this is more of a toe dipping exercise as I wanted to test a pre 6 year case myself, before having a pop at what will be a very large LTSB claim on a current account. If i'm gonna cock it up, i'd rather do it with a £500 claim than a £7K one and as I said before, worst case scenario, I get a new bathroom suite!!

[jshtr3]

Just an update, posting LBA today

[jshtr3]

After some thought and reading have decided to go for CCI on this and Barclaycard. It's nearly doubled the amount of my claim which is great news. Sending a further LBA ASAP(tuesday?) for new amount of £888.34 and counting. I used 17.85% as the rate. Found this on the manual intervention forms that came with my charges list. It said they posted a letter telling me this was my new rate. Have given them till 6th june to reply.

[jshtr3]

Recieved my notice of issue this morning, claim deemed served on 8th June. Let's see if they decide to write to me now!

[Trish76]

From my knowledge of Capital One claims they do tend to submit their defence and then settle very quickly afterwards, I tink the end is sight now!!

[jshtr3]

Cheers Trish, Recieved acknowledgement today. Will be interesting to see how long it takes to get the money. If they run true to form I should get a settlement letter in a couple of weeks. I got a default judgement against LTSB 4th may and still have no cash:eek: Looks like these clowns are gonna pay first and I only filed against them 6th june.

[jshtr3]

Hello all

Recieved my first letter ever from Cap1 since I closed my account. It said words to the effect of "we're not wrong but the cheques in the post" So that's it, 3rd claim won. Just hope this cheque doesn't bounce like the one from Lloyds did!

[jshtr3]

P.S Can I have a WON please on my title.

[ukaviator]

Lovely . .great job..

 

Uk

[livelylad]

Congratulations please donate to help keep the site going.

[jshtr3]

Cheers Guys, donation on it's way when the cheque arrives/clears