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    • ok best shot..   you need to reply to that letter of claim.   for debt covered by the consumer credit act:   send a cca request along with the completed form:   NOTE ONLY USE THE ATTACHED FORM below DO NOT USE THE FORM SUPPLIED BY THE DCA IN THEIR PAP LETTER!! DO NOT USE OR GIVE THEM YOUR EMAIL/PHONE NUMBER. USE ROYAL MAIL 1st class - get free proof of posting from any PO counter   box D tick   I dispute this debt because ..i refer you to our previous communications and my previous respond to your previous Letter of Claim. i am over 50yrs and have deferred as required to meet the age write off.    box I tick   I also require you to supply the following..   All signed agreements Copies All my deferment sent to either yourselves, the SLC or the SAAS to date. Copies of all communications bothways in whatever format to/from Erudio, Capquest, yourselves and Me A copy of the any Default Notices A copy of the Notice of Assignment A complete set of statements detailing exactly how the sum you allege is owed has accrued detailing: All Transactions. Any additional charges, be them by the original creditor or you xxxx the debt purchaser or any predecessor DCA. Details of all contractual interest added by whom and on what date. List of ALL Payments made toward the Agreement   no need to do the financial statement etc anything else or send anything else bar the above do NOT give them your phone nor email PRINT your name never sign the form   staple the £1  PO to the CCA request and send it to the debt purchaser return the completed PAP form below to the solicitors that sent it to you attain free proof of posting for BOTH at any PO counter 1st class mail will do. recorded is a waste of money   reply form PAP.pdf
    • There's more support for many in the Budget, but for some it still falls short. View the full article
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

Lyndsey v Capital One issued N1 for charges reclaim


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Hi all this is my first post and sorry it's probably going to be a long one.

 

 

I sent a letter to Cap 1 asking for my statements,

today i recieved 2 letters,

one saying that they have recieved my letter and i may take 4 weeks to look into my situation

 

 

and the other one:-

Thank you for taking the time to write to us about the fees we've added to your account.

Details of the individual charges are being sent separately.

 

I understand you think these fees are unlawful and i'm sorry you feel we've treated you unfairly.

To explain, we automatically add late payment fees if your payment is missed, arrives late or isn't enough to cover your minimum payment.

We'll add over limit fees if your balance goes over your agreed credit limit, which is £200.

 

When we opened your account in September 2004, we sent you a credit card agreement which stated these fees.

By signing and returning this to us, you agreed to the terms and conditions for the account, including the fees.

 

As you're probably aware the office of fair trading, OFT, haven't challenged the right of banks to charge default fees,

but merely the level of those fees.

 

Although we feel £20 is a just fee, we've reduced our fees to £12 so that we're in line with our competitors.

I appreciate that you've incurred previous fees at the higher rate, and would like to address this.

 

I've reviewed your account and, as a matter of goodwill, I'd like to reduce the fees we've added to your account to £12 each. I

've refunded £196 and this has been deducted from your partially settled outstanding balance, leaving £289.37.

 

I hope i've explained things clearly, but if you do have any other questions, please write to me again.

You'll find my address in the leaflet i've included, which also explains our complaints procedure.

 

If I don't hear from you within 4 weeks i'll consider this matter closed.

Please accept my apologies for the inconvenience this has caused

and i'm sure we'll be able to put this experience behind us.

Yours sincerely

Robert Udy

 

Anyone with any advice

 

 

plese let me know because i'm sure with the charges i recieved last year as well,

the whole amount refunded would clear the balance.

 

 

Has any one had this letter and if so what was your reply

 

Sorry again for the long letter but i want my money back

 

Thank you

 

Linzi

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You are right to want to persue the whole ammount, you should write back to them rejecting this offer and outline that you will persue the full ammount......through the courst if need be.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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thank you for your reply, do i send the letter now or do i wait until the statements come through to get the total i want to claim, the only thing is if they do take 4 weeks to send them through then my 4 weeks to respond to his letter will be up so i wont be able to claim

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Send the rejection letter now then, that way you've done your part within their timescales.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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thank you deller,

 

 

i've just spent hours reading your natwest thread,

i'm also claiming against them,

 

 

well done and i hope i get mine back too.

 

 

Has there been any cases either natwest

 

 

or Cap 1 that haven't been successful,

 

 

that you know of?

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  • 1 month later...

i had a letter through from cap 1 about the payment plan i had set up.

 

 

I don't make payments as i have this claim on going,

 

 

i rang them and the man i spoke to said that if i don't pay i will have a default notice put on my credit file

and the account will be passed to a debt collection agency.

Is this a scare tactic or can they do this?

I was led to believe that when an account was in dispute they cant do this.

Anyone have any opinions?

 

 

Also he said the offer they have already made was a final offer and they would not be offering any more

 

 

should i just accept it and pay them what i owe them?

 

 

The offer was the difference between the £20 charge and the £12 they charge now

and if they pay me all of it it will clear the account with a little left over.

 

 

HELP me pleaseeeeeeee i don't want to end up losing money if i take it all the way!!

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Guest MotleyCrue

Personally I think you should accept and be happy. Others will disagree, but I can feel the tide turning, and claims will not be paid for much longer. Just my opinion though

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Hi Linzi.

 

Your letter from Robert Udy was their 'bog-standard' fob off.

 

 

We had one exactly the same!

 

 

We rejected the offer (as I assume you have done), and issued them with a LBA (Letter Before Action).

 

 

That's now expired, and we're about to issue the claim against them in Court.

 

 

I'd strongly advise you to do the same - Cap One seem to settle in full very shortly after that (as you'll see if you read round the Cap1 threads).

 

 

There's NO good reason that I can see for not going for the lot, and I've not seen any evidence what-so-ever of the 'tide turning'.

 

I've read literally hundereds of threads here on CAG, & I've yet to hear of anyone loosing!

 

All the best with your claim - Adam

I do my best to be helpful, but at the end of the day I'm not a professional - please seek further advice if you're not sure. On the other hand, if I have helped, please click my scales - thanks ;)

 

Current Claims (all for friends!) -

 

Abbey - over £4k - Court claim issued & AQ filed ('Tish vs Abbey'). Alloc'n Hearing 21 Sept - Claim stayed 29/8/07.

Cap One - just under £2k - WON (just over 2k!)('Tish vs Cap One')

Cap One - just under £1000 - WON (just over £1k) Nov 07 (JimmyBoy vs Cap One)

Lloyds TSB - £3.5k - Court claim issued, defence rec'd and AQ filed; Alloc'n hearing 7th Sept Claim stayed 29/8/07! (JimmyBoy vs Lloyds')

MBNA - over £1k for mis-sold PPI - WON - approx £1500(IpswichWitch vs MBNA . . .)

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Guest MotleyCrue

People tend not to post when they lose.

 

Maybe its time for the banks to gloat when they win?

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Reply to Motley Crue

 

I am really uncomfortable about the tone of your posts, me wonders who you are and where you work?

 

glav

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Linzi

 

I urge you strongly to IGNORE MotleyCrue; there's something very wrong with his posts.

 

MODS where are you on this?

 

All of us here have had this standard crap from CapOne, we are pursuing our claims and we have either won or are about to win. Remember, not one single bank or credit card company has dared to go to court to challenge the 'right to reclaim' ...

 

Keep your cool and keep on with your claim friend :D

'Fortune favours the brave.'

 

 

 

 

 

 

 

Any advice given is purely on the basis of my own views and opinions and offered in good faith.

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just wanted to add please iggy

 

 

motley there is no reason why they wont pay out as judges across britain are saying banks havent entered a court room to date

and if the bank and cc companys are in the right

 

 

why settle out of court,

why say that it would cost more to defend the claim than to pay out (hsbc's words when they gave me back MY £6k )

when it would have cost them less to defend one case in court

because then people wouldnt have been following others

they would give in at the end of the day,

 

 

we dont expect anything in life without a fight

they are not going to just turn round on the first letter and say here ya go enjoy.

 

 

but they do when they know you r serious and motley considering how many posts you have done

i dont think you are in any way considered to be all knwledgable on the subject.

 

 

i have done 7 cases so far and hey have ALL paid out

WHEN THE WORLD GETS IN MY FACE I SAY HAVE A NICE DAY :lol:

 

MY SUCCESSESS

HSBC £5,735.35 :D

MUM IN LAW £2112.00 WIN FROM HALIFAX :grin:

MUM £3580.00 WIN FROM NatWest :grin:

AUNTIE 2 NATWEST WINS £1865.00 AND £2541.00

EQUITA BAILIFFS £293.00 REFUND :grin:

MBNA £871.16 WON WITH CI AT 24.49%

WELCOME FINANCE CHARGES £600 APPROX didnt even need letter lol

CAP ONE WON WITH CI AT 29.9% £994.26

 

CLAIMS ON THE GO AT MO

mbna ppi

NatWest cc at mcol (ppi next)

welcome ppi

first response charges

 

IF I HAVE HELPED IN ANY WAY HIT THE SCALES IN BOTTOM LEFT CORNER THANK YOU ;)

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thank you everyone, when i read the first response i thought maybe it's time to quit, but after reading everyone else's i will go for the full amount. I sent the LBA today. Will they be able to send it to a debt collection agency and put a default on my credit file while the account is still in dispute?

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Guest MotleyCrue
Linzi

 

Remember, not one single bank or credit card company has dared to go to court to challenge the 'right to reclaim' ...

 

You are wrong on this front.

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Guest MotleyCrue
just wanted to add please iggy motley there is i have done 7 cases so far and hey have ALL paid out

 

7 cases?

 

I notice from your signature you have had a lot of personal victories in this field.

 

One wonders how you managed 7 accounts into the red? and by such great amounts. It seems to me as though you have lived the champagne lifestyle beyond your means.

 

You weren't charged for no reason. One account, maybe an accounting oversight with the odd charge. Lots of charges on one account, poor accounting, bt so many charges on so many accounts? I feel you've been very irresponsible with the credit afforded to you.

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how can paint be wrong there are judge all over britain trying to get a bank to enter a court room and they pay up before it enters the room and if you mean the brennan case its not about charges its about compensation so can you give us a bit more info please as to what you mean by your posts

WHEN THE WORLD GETS IN MY FACE I SAY HAVE A NICE DAY :lol:

 

MY SUCCESSESS

HSBC £5,735.35 :D

MUM IN LAW £2112.00 WIN FROM HALIFAX :grin:

MUM £3580.00 WIN FROM NatWest :grin:

AUNTIE 2 NATWEST WINS £1865.00 AND £2541.00

EQUITA BAILIFFS £293.00 REFUND :grin:

MBNA £871.16 WON WITH CI AT 24.49%

WELCOME FINANCE CHARGES £600 APPROX didnt even need letter lol

CAP ONE WON WITH CI AT 29.9% £994.26

 

CLAIMS ON THE GO AT MO

mbna ppi

NatWest cc at mcol (ppi next)

welcome ppi

first response charges

 

IF I HAVE HELPED IN ANY WAY HIT THE SCALES IN BOTTOM LEFT CORNER THANK YOU ;)

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ummm by the way before you slate me read my info properly oh and by the way my story will be in the sunday express in a couple of weeks if you want a good read but i dont have 7 accounts i have reclaim for my family and freinds they are not all my accounts read before you post please

WHEN THE WORLD GETS IN MY FACE I SAY HAVE A NICE DAY :lol:

 

MY SUCCESSESS

HSBC £5,735.35 :D

MUM IN LAW £2112.00 WIN FROM HALIFAX :grin:

MUM £3580.00 WIN FROM NatWest :grin:

AUNTIE 2 NATWEST WINS £1865.00 AND £2541.00

EQUITA BAILIFFS £293.00 REFUND :grin:

MBNA £871.16 WON WITH CI AT 24.49%

WELCOME FINANCE CHARGES £600 APPROX didnt even need letter lol

CAP ONE WON WITH CI AT 29.9% £994.26

 

CLAIMS ON THE GO AT MO

mbna ppi

NatWest cc at mcol (ppi next)

welcome ppi

first response charges

 

IF I HAVE HELPED IN ANY WAY HIT THE SCALES IN BOTTOM LEFT CORNER THANK YOU ;)

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Hey good folks, just keep on claiming, we're all here to help each other. Have a great day :)

'Fortune favours the brave.'

 

 

 

 

 

 

 

Any advice given is purely on the basis of my own views and opinions and offered in good faith.

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lol i agree paint im here to help people to reclaim not put them off by giving incorrect info and i dont appriciate comments from people that cant be bothered reading my posts or my info but if motley wants to continue this he might want to start on my thread as i feel poor linz thread is being highjacked

WHEN THE WORLD GETS IN MY FACE I SAY HAVE A NICE DAY :lol:

 

MY SUCCESSESS

HSBC £5,735.35 :D

MUM IN LAW £2112.00 WIN FROM HALIFAX :grin:

MUM £3580.00 WIN FROM NatWest :grin:

AUNTIE 2 NATWEST WINS £1865.00 AND £2541.00

EQUITA BAILIFFS £293.00 REFUND :grin:

MBNA £871.16 WON WITH CI AT 24.49%

WELCOME FINANCE CHARGES £600 APPROX didnt even need letter lol

CAP ONE WON WITH CI AT 29.9% £994.26

 

CLAIMS ON THE GO AT MO

mbna ppi

NatWest cc at mcol (ppi next)

welcome ppi

first response charges

 

IF I HAVE HELPED IN ANY WAY HIT THE SCALES IN BOTTOM LEFT CORNER THANK YOU ;)

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Guest MotleyCrue

Not referring to the Brennan case.

 

Maybe you should d some actual rsearch rather than belive all the hype you read in the tabloids.

 

Banks are tking people to court.

 

They do not need to justify the charges, most will pay charges straight away, what they are arguing is the added on interest, the compensation and every other little bit of unneccessary money people are claiming.

 

It will also not be long before the charges are very well defended.

 

Do you all seriously think the banks are burying their heads until this goes away? Or do you think they have been spending the last two years planning a defence?

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Guest MotleyCrue

Many apologies inzi. I didn't mean to hijack your thread.

 

Nor did I mean to offend anyone.

 

I am merely pointing out some facts, from experience, rather than tabloid reports.

 

I'm also interested in the kind of people who have multiple accounts and charges on all of them.

 

As I said angela, I didn't mean to offend, I'm just interested.

 

I've worked in finance for many years now, and have a bit more of a balanced view on this sort of thing than most.

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Motley, what give you right to slate people on here?

 

 

You have also claimed against a bank.

 

 

Maybe you should start your own website in favour of the banks

rather than putting your unwanted rubbish on here.

 

 

 

 

If any bank had won then the charges would have been found lawful

and it would have been all over the press and banks would not keep paying out.

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linzi hun i to got the same letters as you and i have been told today that i have won every penny back all £944.26 of it including cci soooo good luck hun keep at it

WHEN THE WORLD GETS IN MY FACE I SAY HAVE A NICE DAY :lol:

 

MY SUCCESSESS

HSBC £5,735.35 :D

MUM IN LAW £2112.00 WIN FROM HALIFAX :grin:

MUM £3580.00 WIN FROM NatWest :grin:

AUNTIE 2 NATWEST WINS £1865.00 AND £2541.00

EQUITA BAILIFFS £293.00 REFUND :grin:

MBNA £871.16 WON WITH CI AT 24.49%

WELCOME FINANCE CHARGES £600 APPROX didnt even need letter lol

CAP ONE WON WITH CI AT 29.9% £994.26

 

CLAIMS ON THE GO AT MO

mbna ppi

NatWest cc at mcol (ppi next)

welcome ppi

first response charges

 

IF I HAVE HELPED IN ANY WAY HIT THE SCALES IN BOTTOM LEFT CORNER THANK YOU ;)

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7th march i sent first letter to them sooooo its 9 weeks lol

WHEN THE WORLD GETS IN MY FACE I SAY HAVE A NICE DAY :lol:

 

MY SUCCESSESS

HSBC £5,735.35 :D

MUM IN LAW £2112.00 WIN FROM HALIFAX :grin:

MUM £3580.00 WIN FROM NatWest :grin:

AUNTIE 2 NATWEST WINS £1865.00 AND £2541.00

EQUITA BAILIFFS £293.00 REFUND :grin:

MBNA £871.16 WON WITH CI AT 24.49%

WELCOME FINANCE CHARGES £600 APPROX didnt even need letter lol

CAP ONE WON WITH CI AT 29.9% £994.26

 

CLAIMS ON THE GO AT MO

mbna ppi

NatWest cc at mcol (ppi next)

welcome ppi

first response charges

 

IF I HAVE HELPED IN ANY WAY HIT THE SCALES IN BOTTOM LEFT CORNER THANK YOU ;)

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