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Geordie B V Cap 1 .....WON !!!


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Haven't posted since victory over Halifax last year....started on Cap 1 and monument ......

 

CAP 1

Sent 1st letter .....mar (both accounts...wife and me)

 

Second 14 days laster...I got some guff letters offering me 50 quid or so...turned them down flat

 

 

I issued both claims on MCOL on 21/4/2007

The usual stuff... issued, acknowledged....and the most fun were the regular 7 day phone calls demanding payment...These varied speaking to the most bad mannered opinionated gits you would ever have the misfortune to speak to...and the nicest people you could talk to.. My all time favourite went something like:-

 

THEM: "So can i ask why you are claiming these charges back?"

ME: "Yes I can"

THEM: "So are you going to tell me then?"

ME: "Yes"

THEM: "Then tell me"

ME: "Because I can"

THEM: "What?"

ME: " I am claiming them back because I can"

THEM: "OK, well you still need to make a payment on this account"

ME: "Why?"

THEM: "Because it is overdue"

ME: "Its pointless really, because you owe me more than I owe you"

THEM: "Oh...ermmm...ok...I'll note that on your records then"

ME: "You do that...thank you for the chat...speak to you next week..byee"

 

 

Anyway to cut a long story short the MCOL showed both accounts as 'defended' today and I must admit I panicked a bit...UNTIL...I got home. There were 2 letters from CP 1....along the lines of ...there is no case o answer, you cant win, we dont agree with you, the chages are fair...but were paying you anyway.

 

WIFES ACCOUNT - 349.00 NOW 0.00 (Chq in post within 14 days for 252.00 for cr balance)

MY ACCOUNT - 278.00 NOW 0.00 (Chq in post for £523.98)

 

 

monument accounts next....dont give up Boys and Girls....Keep the faith

GeordieBaz:cool:

 

Halifax DP Letter sent June06

Statements Rec'd 8/7/06

£3330 Charges ...Letter Sent 10/7/06

Reply on 20/7/06 offering £235.00 ermmmm no

LBA Going off 22/7/06...Offered £735...NO !!!!

MCOL Issued 8/8/06

Paid in full £3330 plus interest

Capital One DP Letter off 21/3/07 (Me)

Capital One DP Letter off 21/3/07 (Wife)

 

Monument DP Letter off 21/3/07 (Me)

Monument DP Letter off 21/3/07 (Wife)

 

Capital One ---- Paid in full

Capital One (2) --- paid in full

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CONGRATULATIONS BOTH OF YOU!!

 

Nice to see people winning against CAP1 :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 pet, nice attitude ;)

'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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Can i ask - if you still owe money on your credit card - can they legally just credit the account with the refund if you win - or can you demand a chequ? - just curious - most of my credit cards are paid off - but have 2 still with balances on them.:)

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Hi,

 

I dont know the exact answer to your question, but my letters from C1 stated that the card balance would be cleared and a chq would be sent for the balance owing within 14 days. They also didnt close the accounts...as if I would ever use them again !!

GeordieBaz:cool:

 

Halifax DP Letter sent June06

Statements Rec'd 8/7/06

£3330 Charges ...Letter Sent 10/7/06

Reply on 20/7/06 offering £235.00 ermmmm no

LBA Going off 22/7/06...Offered £735...NO !!!!

MCOL Issued 8/8/06

Paid in full £3330 plus interest

Capital One DP Letter off 21/3/07 (Me)

Capital One DP Letter off 21/3/07 (Wife)

 

Monument DP Letter off 21/3/07 (Me)

Monument DP Letter off 21/3/07 (Wife)

 

Capital One ---- Paid in full

Capital One (2) --- paid in full

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Sorry Megan...I read your post wrong !!

 

I find it highly unlikely they would give you a chq for all your charges and leave a balance on the account. I imagaine they are quite within their rights to clear off the debt first...similar to a bank over draft I guess

 

Baz

GeordieBaz:cool:

 

Halifax DP Letter sent June06

Statements Rec'd 8/7/06

£3330 Charges ...Letter Sent 10/7/06

Reply on 20/7/06 offering £235.00 ermmmm no

LBA Going off 22/7/06...Offered £735...NO !!!!

MCOL Issued 8/8/06

Paid in full £3330 plus interest

Capital One DP Letter off 21/3/07 (Me)

Capital One DP Letter off 21/3/07 (Wife)

 

Monument DP Letter off 21/3/07 (Me)

Monument DP Letter off 21/3/07 (Wife)

 

Capital One ---- Paid in full

Capital One (2) --- paid in full

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no problem - ive cleared mine - hubby has 2 - with a few hundred pounds on the balance. I rang up to make sure the account was closed and also same with citicards - which wasnt because I was £1.34p in credit! so had to ask them to send a cheque to me for that amount so account could be closed cos I dont want them putting partial refunds into my accounts and then try and delay the court action because I have claimed a different amount - which would be incorrect as they had put some already into my account if you know what i mean - so im making sure that those accounts that I have paid off are CLOSED.:)How long after they acknowledged your claim did they write to you and pay up?

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