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how cheek is this... ***WON***


jordash
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Executive Office

Capital One

PO Box 5281

Nottingham

NG2 3HX

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  • 4 weeks later...

tomorrow will be the day that i shall start an mcol against cap 1. i have sent the required letters, prelim and lba, but havnt heard anything back what so ever.

is this usual for cap 1? i ask because with my barclays claim i had at least had a reply with an excuse for an offer in it before i got to the stage of starting an mcol

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Jordash,

 

Cap 1 usually respond to LBA with an offer refuning the difference between £12 and £20. Maybe they are snowed under!!! Go ahead and file your court claim, they only pay up when you do this.

 

glav:)

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i was going to file my court claim anyway, i just thought it strange not to have heard anything from cap 1.

when you say they only pay up once you serve this, would this be like barclays where they pay up about a week before the court date or do they usually pay up sooner than that?

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Jordash,

 

Not really sure of the answer to that!. Just a little ahead of you myself, filed court claim on 4th May, but I live in Northern Ireland so apparently will take a bit longer to serve on cap1. From reading other people's threads, the pattern seems to be that cap1 will acknowledge claim and then file defence, that being that the claim is settled as they have paid you in full!! Here's hoping!!

 

glav:)

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hi jordash..

 

Yes..carry on with time schedule. If you have given them 14+14 days with no reply then press on!! They would,nt give you any more leway if the boot was on the other foot!

Also from what i have read in other peoples threads cap one tend to pay up just after the MCOL stage.

 

Good luck..;-)

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i today receieved a offer from captial one, but also at the same time which come through the letter box much to my amusemunt was a letter which started " Thank you for writing back to me about my offer to refund £434 of the fees we've added. im sorry to hear you feel my offer isnt substantial enough"

 

how could i have rejected their offer when it only came through this morning?

 

anyway time to start mcol.

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class! They are useless

 

are you sure they havent refunded the fees directly to your card - abbey started doing this..........

If you think my advice has been helpful, please click on the scales to the left :) thank you!

 

Non illegitimi carborundum

 

 

I wish I was a glow worm,

A glow worm's never glum!

 

How can you be grumpy,

when the sun shines out yer bum?! :p

 

 

Amex * 2 *** WON *** Settled

Marbles ****WON*** In full settlement

Capital 1 ***WON*** In full settlement

MBNA ***WON**** In full settlement

Barclaycard ***WON*** In full settlement

Barclays Bank - ***WON*** In full settlement

Abbey ***WON*** In full settlement

Abbey (Mrs Chorlton) ***WON*** In full settlement

Abbey (Mr and Mrs C) - MCOL submitted 16/5/07

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they might have done but as my card was paid up a while ago so they'll have to send me a cheque anyway because my card will be in credit then.

i dont think its just abbey that pay straight on to the card, it happened with my barclaycards aswell.

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i today receieved a offer from captial one, but also at the same time which come through the letter box much to my amusemunt was a letter which started " Thank you for writing back to me about my offer to refund £434 of the fees we've added. im sorry to hear you feel my offer isnt substantial enough"

 

how could i have rejected their offer when it only came through this morning?

 

anyway time to start mcol.

 

 

They've really gone quite MAD in there lately - I think they had so many claims hit them they haven't a clue anymore? :D I sure hope they paid you though - don't let it drop till you get what you want :)

My CCA skeleton argument to use in court -

http://www.consumeractiongroup.co.uk/forum/cabot/115280-useful-information.html

 

Useful Letters (CCA request is letter N)

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

 

CAG A-Z list of useful places in CAG -

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/69359-cant-find-what-youre.html

 

Introduction to Consumer Litigation -

http://www.consumeractiongroup.co.uk/forum/general-debt/108467-basic-introduction-consumer-credit.html

CABOT THREADS -

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/131321-cabot-threads.html

 

ALWAYS SEEK A PROFESSIONAL OPINION FROM QUALIFIED ADVISORS - any advice offered is from my own experience and knowledge - I am NOT qualified.

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  • 2 weeks later...

They may file a defence first before paying out. Not too long now.

 

Uk

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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I have just recieved my cheque from them.

Filed through mcol 21/04/07

deemed served 28/04/07

Cap1 Acknowledged 30/04/07

Recieved letter saying they would pay 18/05/07

recieved defence from court saying they will pay 22/05/07

Recieved cheque 25/05/07

 

so not too lon to wait now!!!

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  • 3 weeks later...

on friday i received notice from the courts that cap 1 had filed a defence to say they have paid out the claim in full.

then on saturday i received a letter from cap 1 saying that i should have my cheque for £1546 within 14 days.

i will cancel the court proceedings once the cheque has cleared and is in my bank.

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on friday i received notice from the courts that cap 1 had filed a defence to say they have paid out the claim in full.

then on saturday i received a letter from cap 1 saying that i should have my cheque for £1546 within 14 days.

i will cancel the court proceedings once the cheque has cleared and is in my bank.

 

 

Hey well done!! Hope you get your money soon!! :D

My CCA skeleton argument to use in court -

http://www.consumeractiongroup.co.uk/forum/cabot/115280-useful-information.html

 

Useful Letters (CCA request is letter N)

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

 

CAG A-Z list of useful places in CAG -

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/69359-cant-find-what-youre.html

 

Introduction to Consumer Litigation -

http://www.consumeractiongroup.co.uk/forum/general-debt/108467-basic-introduction-consumer-credit.html

CABOT THREADS -

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/131321-cabot-threads.html

 

ALWAYS SEEK A PROFESSIONAL OPINION FROM QUALIFIED ADVISORS - any advice offered is from my own experience and knowledge - I am NOT qualified.

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Well done. . good job

 

Uk

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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