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    • HI   Ah that little lets downgrade it to a Stage 1 Complaint so it looks like wee dealt with it properly if the Regulator looks at our books/files.   It's a tactic Housing Association use even my own recently tried that and I refused to let them get away with it.   So you respond to the Customer Service Manager NOT BY PHONE unless you can record the call.   To Customer Service Manager   Following our telephone conversation on XX/XX/2021 reference my Formal  Complaint you informed me that my Complaint was being dealt with as a Stage 1 Complaint.   I find this unacceptable as this Complaint was made via T&C online Portal with Acknowledgement receipt from T%C of my Complaint in July 2021 and T&C have now only decided to deal with this after I recently had to Hand Deliver (16th Sept 2021) that Complaint to your Office which is  unacceptable.   Therefore T&C have had from July 2021 to resolve this Complaint as per your own Stage 1 Complaint procedure and I quote:   Stage 1: Your complaint will be allocated to a member of staff who will contact you within 2 working days to discuss your complaint and understand the problem. We aim to resolve complaints within 10 working days, but sometimes investigations can take longer. In this case we’ll let you know, keep you updated and agree a timescale for our response with you. As the above has not been carried out and was only acted upon as previously stated when I hand delivered  my Complaint again on 16th Sept 2021 to your Office this is not a Stage 1 Complaint as T&C have Failed to carryout the above Stage 1 Complaint Procedure since July 2021 therefore my Complaint should be Escalated to a Stage 2 Complaint as per your own Complaints Procedure. If T%C refuse to escalate this Complaint to Stage 2 I require full Clarification as to why.        
    • Hi guys, I have recently found this website and have been reading a lot regarding Hermes scandals. Thanks a lot to all the people running and supporting this forum. Doing lord's work. Here is my case, hope I can get some help. On 07/08/2021, I used Hermes service to ship my laptop however the laptop never reached its intended destination.  On 16/08/2021, I had a chat with their representative over the phone to get an update on the situation. I was told they will start a brief investigation to find my laptop. After a long wait, on 14/09/2021, it was confirmed that my laptop was indeed lost. On 25/09/2021, I filled in the compensation form.  On 27/09/2021, I received compensation of £20 + postage of £5.80. On 28/09/2021, I asked them to review their compensation and reimburse me in full. (Formal complaint) The laptop was purchased on 02/08/2021 priced at £1049. Do have a PayPal invoice for it. I did not use Hermes insurance as I didn't have any trouble with their deliveries in the past. The parcel was declared as a laptop. I have prepared a letter of claim to send them as soon as they reject my request to pay in full. Few questions, I couldn't find answers about: Do i need to send email to Hermes with letter of claim or post? Next steps: Wait for formal complaint's response..  Submit letter of claim, wait 2 weeks, then register and issue complain on money claim county court website? Hope i can get some feedback on my letter of claim.   Letter of claim1.pdf
    • See all resources available if you would like to become an apprentice in Coventry.View the full article
    • Funny you should mention it-I have today got a letter from the court telling me the judge's comments 'there is no record of an email of 23 July 2021 with the Help With Fees application' 'the Help With Fees code was not generated until either 21 April 2021 or 18 August 2021 and so cannot have been included in an email sent on 23 July 2021'.  'If you want to set aside the order of 2 Aug 2021(I assume that's the one that no-one vhas received,vacating the case) you must make an N244 application  and pay the fee of £255 or submit a Help With Fees application'.   They don't even know when the code was generated and have no idea whether this was before or after the email was sent to them...    
    • The US carmaker vows to "lead America's shift to electric vehicles" with largest ever factory.View the full article
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Deekayenwhy Vs Capital One **won**


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Hi,

 

23/04/07 Sent the Data Protection Act letter

14/05/07 Got a reply with all the statements

worked it out £325 worth charges for a credit card which only has a limit of £200.....disgraceful

21/05/007 Premilary letter sent requesting for charges to be refunded, but not sure as i sent the template from the templates it had the spreadsheet with the 8% worked out so that is what i sent with the interest at 8% is that correct? As reading further now was i suppose to send that after the 1st letter? Please let me know.

31/05/07 I have received a reply back from capital one, stating as gesture of goodwill they are refunding me the difference from £20 to £12 as thats the OFT standard or something like that. They said they have already refunded my card, my charges totalled to £325 excluding any interest.

They have offered me £120, i am sending a offer refusal letter stating i require the full amount or else taking them to court.

Can any1 clarify do i put the 8% interest into this figure or do i wait to add that on if it goes to court?confused...........

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You only add the 8% at the court stage.

 

Uk

WARNING TO ALL

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Yes you have to claim CCI from the start. If you use 8% thgis is only added at the court stage.

 

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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Received the following letter back from capital one 6/6/07

 

Thank you for writing back to me about my offer to refund £120 of the fees we added. I'm sorry to hear that you feel my offer is unacceptable.

 

As I've already explained, we're confident our fees are both fair and legal and I'm disappointed to hear you're considering court action. The OFT haven't told us that we're obliged to refund any fees, and we've offered refunds as a gesture of goodwill. I'm afraid i won't be refunding all of the fees as you've asked.

 

This offer is still open to you. I won't be increasing this, as it is my final offer. While you're disputing thses fees, it is important that you maintain payments as your account balance consists of transactions that you have made. Failure to do this may result in negative information being recorded on your credit file, which may affect your ability to gain credit in the furture.

 

Financial regulations require me to advise you that this is my final response in relation to this matter. However, you now have the option to contact the Financial Ombudsman Service within six months from the date of this letter. Their contact details are in our comapliants leaflet, which i included with my last letter.

 

Yours sincerely

 

 

Ellie Renshaw

Executive Office Manager

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What do i do now? Do i put in a claim for the full amount or do i deduct that amount of the final figure which includes contactual interest at 8%? I am unsure how to go about this can any1 please advise me in how to go about this.

 

Did i stand a good chance in getting the full amount before court? plus how do you check if they have defaulted you? is the default missed or late fees only that you can ask for it tto me removed or how does it work i ma confused?

 

Where do i file the court case?

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I'm not clear whether Capital One are still applying the refund of £8 per charge to your account? I am assuming that they are?

 

If they are then issue a claim as follows: Do a schedule of ALL the charges levied to your account, work out the Statutory Interest on the WHOLE amount.

 

On your Particulars of Claim on the court form N1 state that you have requested a refund of the whole amount but have only received £8 per charge (ie. 20% of your total claim) so you are deducting that figure from your claim, along with 20% of the total Statutory Interest figure.

 

I hope this helps

 

Payitallback

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You can check if you have a default on your credit files by ordering them from Credit Reports: Get your Credit Report from Experian UK, Online Credit Reports and Credit Reporting from a Leading Credit Agency: Equifax and Credit report information for consumers - Callcredit. Make sure you don't buy one of their expensive subscription services, you should only be paying £2, for a paper copy of your credit file which they will post to you within a few days.

 

Capital One will offer to settle in full within about three weeks of you issuing the claim, it is extremely unlikely to go to court.

 

If you do have a default on your file you must make sure that you specify the need for it to be removed on your claim form, in which case Capital One will HAVE to remove it to avoid going to court.

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If you have filled in an N1, you need to take it to your local court. You could mail it recorded with the correct fee enclosed, but I think you're better off attending court. You know your claim is filed that way.

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

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  • 3 weeks later...

Hi

 

14/06/07 filed n1 claim form at court against capital one.

 

21/06/07 had a letter from the court stating capital one filed a acknowledgement on the 21/06/07 and have intention of defending the case. They have 28 days from the date of service of claim form with particulars of claim, or of the particulars of claim to file a defence.

 

What do i do now?

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Hi

 

Just the wait now..Check your account everyday from now on. They normally payout after the Defence part of the process.

 

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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05/07/07 Received a letter from capital one:

 

Dear xxxx

 

I write in connection to the above court claim, which you have issued against Capital One Bank PLC. I have now the oppurtunity to investigate your claim of £279.40.

 

It is denied that these fees are unlawful as they are detailed in your terms and conditions and in our welcome pack. Our fees are based on the costs we incur when a customer breaks their contract by missing a payment, paying late or going over their credit limit. The fees are only levied when a customer breaches their contract in this way and can be avoided if payments are maintained and the balance kept within credit limit.

 

Capital One has acted in accordance with the terms and conditions of your credit agreement throughout this matter and it is clear you have no claim against Capital One. Whilst we do not accept liability for the claim, in an effort to resolve this matter without the need for a court hearing, I have refunded £279.40 to your account.

 

These refunds are amde purely as a goodwill gesture and we will now defend this claim on the basis that we have refunded the correct amount.

Once the claim is settlled, i must advise you that we may still add fees to your account if you do not keep up to date. We have nw reduced our fees to £12. We believe that these fees are fair and you will be automatically charged this for the following :

 

1) Missing a payment

2) Making a late payment

3) Allowing your balance to go over your credit limit

4) Your direct debit or cheque payment being returned unpaid.

 

This is accordance with the terms and conditions of your account which you agreed to abide by when you signed your credit agreement with us. If you no longer agree to adhere to thses terms, I would respectfully request you consider closing your account when you have paid your balance.

 

I hope I have explained things clearly for you and we can move on from here. I would finally request that you contact the court to confirm the settlement and discontinue your claim. This is very important as its your responsibility to inform the court that your claim is settled and avoid wasting any futher valuable court time. We have also written to the court to confirm that we have paid in full.

 

Your Sincerely

 

Graham Daley

Executive Officer

 

Thank you for all your help donation is on its way!!!!!!!!!

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Well done. . . congratulations . .

 

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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