Norvern v Crapital One

[norvernrob]

On a roll at the moment, so i've decided to do Crapital one as well and make it a full house

 

DPA request will be sent tomorrow recorded delivery, 40 day deadline will be 12/07.

[Guest Lueeze]

Good Luck!

 

My partner just go a full rfund after sending 2 letters, and I got partial and on my way to filling a claim!

 

The good thing is usually if they offer you a partial refund, they will actually credit it, even if you turn it down and carry on claiming!

 

Good Luck

 

Lou x

[norvernrob]

This is the 5th claim of my own and I am also doing one for my sister and one for my girlfriend, with more to come. I suppose like anyone who has had a few standard response, fob off letters from the banks I now make my intentions absolutely clear in my letters to them. They'll be in no doubt I will go all the way if neccessary!

[norvernrob]

Statements received today, total charges of £380, thats over half the current balance! Prelim will be prepared and sent tomorrow.

[JMio]

Good stuff - keep at it!

[norvernrob]

Prelim letter for £380 + £99.32 in interest on the charges sent today.

[norvernrob]

Had the expected letter today offering me the difference with the charges at £12 - so an offer of £160. Also the comedy bit about the OFT saying a charge of £12 is likely to be fair. I must have missed that bit.

 

Letter being prepared to accept the £160 as a partial payment and continue for the rest.

[norvernrob]

Had a reply to the LBA today, 'we need a little bit of time to look into your complaint, if you do not hear from us within 4 weeks..'

 

And that's as far as I needed to read. Moneyclaim will be filed on deadline day. (this friday)

[norvernrob]

Forgot to update. Received a letter from Capital One stating that they would default me in 28 days if I didn't get my account within the limit. It now stands at £804, the limit is £600 - this is due entirely to charges.

 

It was nice to write back telling them they couldn't default me as I am disputing the amount owed, and when they pay me back my charges I will be happy to pay at least the regular monthly payments.

 

Moneyclaim was then filed for £770.53, claim number 6QZ58389

[norvernrob]

Well I have received another letter from the same guy which is a notice of default. They will default they account in 10 days if the overlimit amount isn't paid, pass the information on to a credit reference agency, etc etc.

 

VERY strongly worded letter sent back today, regarding my previous letter stating the account was in dispute being totally ignored, also them ignoring the banking code which they subscribe to. I also added that when I win my claim against them I will be happy to pay the £34 remaining on the balance and they can then close the account if they want.

 

I also mentioned that if they do issue a default I will start a 2nd claim immediately for removal on the grounds that the balance was made up almost entirely of charges (which they aren't exactly going to argue about seeing as they will shortly be paying them back to me!) and I will submit complaints to the OFT about them ignoring the banking code and issuing a default against an account clearly in dispute.