Jump to content


  • Tweets

  • Posts

    • Thanks dx for your kind words. I plan to renew my season ticket and write a new begging letter as following, can I ask for any suggestion about it?   Dear Investigator/Prosecutor,   Thank you for your reply. I deeply regret my actions and the inconvenience they have caused.   I’m extremely remorseful for my crime. and regret it everyday. I often ask myself ‘’how can I do that thing just because I felt it is interesting. There are a lot of crimes in the world, but feeling it’s interesting is certainly not a reason to crime. I should not crime with any reason.’’ I think about these things every day, and I understand that I can’t blame anyone but myself.   I thanks to the staff who stopped me, as this is a valuable lesson in my life. I told myself that I should never ever repeat such a thing again, and never ever do anything which is possible to be in breach of any law. As a result, I carefully tap my oyster card every time before I enter the station now. I remind myself that I did a wrong thing before, and I should never let it happen again.   Although my monthly travel expenses do not warrant a season ticket, but I just renew my season ticket (please see the attachment). I understand that a crime cannot be truly compensated for, but purchasing a season ticket offers me a small measure of comfort, knowing that my actions caused a loss to the public interest.   I received an email which ask me to negotiate being class teacher in this summer (please see the attachment). I hope that I could teach the lovely students again, which may not be allowed with a criminal record. I would please ask that you would please provide me a single opportunity to settle all outstanding sums owed outside of court without the need for legal proceedings which would have a determinantal impact on my teaching career.   I sincerely apologise again for my crime. If you need anything further from me to help you please let me know.    Yours sincerely,
    • You did what??? You asked them to send you the documents that without them you had  a 100% ironclad win in Court. Why on earth would you do that? As it happens in this case, there is still enough mistakes in their PCNs and the NTH to have your case cancelled. Amd it may be that not sending those documents in the first place along with the ICO complaint and the letters from Alliance themselves which would confirm by the dates on the letters may be enough to cancel it anyway. I hope you have kept their letters as evidence? The chances are that Alliance will not actually take you to Court because of their errors but you never know.  You have made so much extra work for yourself in your WS if they decide to push their luck.though. Can you please post up their letter where they give the reason why I wasn't sent with the NTH.
    • I'm not sure that I fully agree with my site team colleague above.  My understanding is that there is nothing to stop you recording but it is strictly for your own personal use.   
    • I live in a student house, with 5 tenants, unihomes is our utilities provider, who we each have a direct debit set up with and have paid each bill every month. Two letters were sent in my name by BWLegal saying I had two outstanding payments due adding up to over £3500, I have tried to contact british gas (as that is apparently our houses provider) as well as Unihomes. Nothing has helped and BWlegal are pursuing legal action if these debts are not resolved by the 1st May. What do I do? I've called Bwlegal when i bring up that the debt isnt for me and for unihomes they hang up on me. so I am stressed and do not know what to do
    • cant do either if its not in a public place or on your land. dx  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
        • Thanks
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

coxey61 vs capital one


coxey61
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6135 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hey ukAviator.

 

Thank you for the tip! I had thought that I might have to get to my 100th post before ever receiving one (at the rate I'm going that won't take long)!

 

Seriously CAG is winning the competition between writing my dissertation and it. :D :D

 

Yes I am hooked. I've become a CAG addict. During my first two days on here, I developed bad headaches because I was taking in so much info :shock:

 

Needless to say the headaches have subsided and things are starting to make more sense now. :rolleyes:

 

BTW can anyone show some love to my Cr*p One thread? http://www.consumeractiongroup.co.uk/forum/capital-one/97681-deedee1310-capital-one.html

 

I have sent them my prelim letter today. Problem with mine is that they have defaulted my account and obtained a CCJ against me. I sent them a CCA request last week.

 

Not sure if I'm proceeding correctly. Bryan Carter have stated that I have satisfied the debt for the judgement but I still "owe" their client £400 odd. Yeah right - my limit was for £200 but they charged me over £910 in penalties during the life of the card. :mad:

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

Link to post
Share on other sites

  • Replies 159
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

You do make me laugh Dee Dee but you need to work on your course lol

Thanks for all your help everyone is great.

One last thing befoer i start this dreadfull spread sheet do i go for contractual or 8% or just charges

Link to post
Share on other sites

I think the answer to that one is "What do you feel the most comfortable in claiming?"

 

If you go for 8% Statutory Interest, you cannot claim this until you get to the court stage. If you go for Contractual Interest, you can claim this from the outset.

 

I went for Contractual Interest at 34.9% which is the rate that they were charging me - the swines!

 

To quote Blind Date "The decision is yours" (Oops now I'm showing my age)! :grin: :grin:

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

Link to post
Share on other sites

I want to go for contractual as its more money (and iam a shopper)lol

but not comfortable because i dont think i would beable to explain why if i had to in court. you could come to essex for the day lol.;)

Have just look at the spread sheets to try and start wow im confused AGAIN.:D

Link to post
Share on other sites

I love you! You're thread has been making me laugh for the last couple of days. I went for Vampires Spreadsheet 16 because it was EASY to use.

 

I'm good at spreadsheets but all the other ones were giving me a headache! :!:

 

All you do is put in each item as follows

 

In Respect of Amount Date Incurred

overlimit fee £18.00 04/09/2001

The spreadsheet then works out the number of days since the offence and calculates the interest on the charge.

 

Yes I went for it too as it's more money! Lol!

 

I trust I have not confused you further?!!

 

:lol: :lol: :lol:

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

Link to post
Share on other sites

It was - The Queen's! And I've just realised that you're confusing me too now! In my earlier post I gave you headings for a wrong spreadsheet.

 

This is how I filled mine out

 

1. Under Charge Reason put the detail of the charge e.g. overlimit fee, late payment fee

 

2. Under Charge Amount put the amount of the charge

3. Under Date - well that obvious "innit"

 

THE SPREADSHEET DOES THE REST.

 

All you need to decide is which interest rate to charge them.

a. The one they were charging you - ukAviator said it was 30.9%

OR

b. Their current rate for the Classic Visa Card which is 34.9%

 

I went for 34.9% - that'll teach 'em. :grin:

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

Link to post
Share on other sites

Yes you can do it! Go and have something to eat. I can't concentrate if I'm hungry - it gives me the attention span of a fruit fly.

 

Sadly, I'm going to sign off in about half an hour as I really have to get back to my work and I have an interview an 3pm. My O.H. is on school run duty.

 

I will be back later and I'm sure with everyone's help you will get it sussed! :lol:

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

Link to post
Share on other sites

Sorry I meant Spreadsheet 13!!!

 

Aarrrgggh - OVERLOAD my head can't take it anymore.

 

I'm off to make a cuppa. That'll help sort out my frazzled brain :confused:

 

deedee xx

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

Link to post
Share on other sites

Did Wonder Ok Very Quickly Before You Go When I Put In Date Penalty And Reason And Amount What Happens Next Its Not Adding It Up Or Adding Interest Do I Have To Do Anything To Get It To Do This ;)

Hope Your Brain Can Take It Cause Mine Cant

Link to post
Share on other sites

The interest figures should be calculated. I exported mine to Excel.

 

BUT I think with the Google Spreadsheets, you must do the following.

 

1. At the top left hand corner you will see a tab marked "File" click it then click "Copy Spreadsheet"

 

2. You will then be able to edit the spreadsheet.

3. Where it says interest rate, put in the interest rate you want to use.

 

If this isn't working, I will work out how we can share your sheet so I can help you online.

 

deedee

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

Link to post
Share on other sites

Just worked out how you can share the spreadsheet with me (in theory at least).

 

1. At the top of your spreadsheet on the right hand side, there should be tab marked "Share" (ta dah) :)

 

Invite me as a Collaborator!

 

I will PM my email address, so that we can work on it later if you want.

 

 

deedee xx

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

Link to post
Share on other sites

Hmmm.... Did you definitely save your sheet first? If you didn't the only tab you will see is "Discuss".

 

If this Google docs thing proves to be too difficult I can think of an alternative way for you to do this. You could download and install a free spreadsheet package and then I can just email you a blank spreadsheet for you to fill in all your data.

 

Anyway for now - hasta luego!

 

deedee

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

Link to post
Share on other sites

would you belive i did it then it crashed on me how funny,

so iam going to try again and if you send me you email address i can hopefully do it when your ready ill be on tonight if your free.

Its a date lol.

Link to post
Share on other sites

well i am not sure what keeps happening i get it up and the tab to share then i have no spread sheet then the computer shuts down on its own so it looks like this one does not agree with my computer, this is becoming a night mare why is it happening to me all i want to do is a bl**** spreadsheet. ill talk to you later had enough now.

Link to post
Share on other sites

Hi Coxey, Just wanted to let you know you're not alone. I have to go out now (going canoeing) but will be in around half 11 and will try and help then if no-one gets back to you.

Trev

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

Link to post
Share on other sites

Hey Coxey, I'm here too. Just read your PM. If you have installed Excel that's great! It'll make our lives much easier. :lol:

 

I'm going to send you the blank Excel version of Vampire's Spreadsheet 13.

 

Overtype all the data with your own.

 

deedee.

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...