shar37-v-cap 1 **WON**

[shar 37]

Made a mistake on totaling my charges thought it was £1,036 but it is £954.00 for 6 yrs. I have just completed the spreadsheet with CCI and now my total claim has gone up to £4,578.74p. OMG that cant be right can it?? £3,624 interest? based at 34% APR. Have I done it wrong lol??

[indigoblue]

It depends how long ago you incurred charges, also if you look at my thread indigoblue vs cap 1 theres a link to what to put on N1 when claiming CCI. Hope this helps

[shar 37]

I have claimed for 6 years. Is that right??

[bnradford lad]

This looks right to me. It is supprising how CCI adds up..good luck

[shar 37]

THanx bnradford lad. Thats great:D . Im going to send another LBA stating that I am writing to inform you a change to my request for repayment of penalty charges levied on my account.

 

After further research I have reached the conclusion that the amount you have taken from me should be repaid with contractual interest.

If you do not respond to my letter before xxxx I will assume that you will continue to ignore my requests for payment as you have in the past. In these circumstances I feel I will have no other option but to file a claim in county court on xxxxxx for the full amount> Cross fingers for me.

[shar 37]

Sent LBA off today informing change of request.

[indigoblue]

Hi Shar, I've just settled with CAP1, had to file at court tho! they paid charges, court fee 8% and all intrest they had charged me on account was about 180 less than what i asked for, but i was quite happy with that. Good luck u will get there in the end x

[shar 37]

Congratulations !! I hope I have luck with them. Im a bit worried about how to fill out the N1 form though. x

[shar 37]

Just about to fill N1 form. Do I put on it that i have had a partial payment. Help please.

[jshtr3]

Hi Shar, If you enter the amount of the partial payment as a negative number e.g. -£136 on your spreadsheet on the date you recieved it the spreadsheet should work it out and remove the necessary interest from there. No need to put anything in your POC about it. Just make sure the amounts are correct.

[shar 37]

Thanx for your help jshtr. I have just completed N1 form and going to hand it in to local County Court tomorrow.... God I hope iv'e done everything right. Fingers crossed.

[jshtr3]

I wouldn't worry, Cap1 don't seem to do too much defending. They will probably acknowledge in a couple of weeks then send a letter offering settlement soon after. You're nearly there now

[shar 37]

Do I need to send a copy to Cap 1?

[jubaxt]

i just took 3 copies of n1 and 3 copies of spreadsheet and handed them to court cashier

[ukaviator]

It's ok Shar. . the court will send it. Not long now..

 

Uk

[jubaxt]

has anyone read the threads about hull today-should we be worried??

[karhuss]

I don't think the court case start until 3pm so hopefully some news soon. Fingers crossed for them all. I wouldn't worry too much as I think most claims were settled before the court case today anyway.

[karhuss]

Great news about Hull on Money Saving Expert site.

 

http://forums.moneysavingexpert.com/showthread.html?t=494020

[shar 37]

Received copy of N1 from court this morning, so hopefully Cap 1 have had theirs too:) . Just the wait now, im really hoping they will pay me?!

[ukaviator]

They should looking at their history over the last year. Just the wait now.

 

Uk

[shar 37]

Yaaawwwnnn. Feel as if iv'e been waiting forever. Havn't had acknowledgment of Cap One yet. ( suppose I shouldn't be so impatient lol.)

[shar 37]

Cap One have until 23 july to file an acknowledgement. if they dont what happens then.

[steven4064]

In principle you can ask for judgement. However, it would be wise to wait a few days - the banks and card companies often respond late (and the courts LET THEM!!!)

[shar 37]

Hi all. Received this letter today.....

The defendant filed an Acknowledgement of service on 16 july. The defendant responded to the claim indicating an intention to defend all of the claim. The defendant has 28 days from the date of the service of the claim form with the particulars of claim, or of the particulars of claim, to file a defence. Is this the normal letters people are getting back???? If so what happens now??

[jubaxt]

hi shar-they have til the 28th day after the notice was served to come up with a defence-mine was served on july 1st-on july 6th they've acknowledged to defend.

 

so i think i'm right in saying they have til 29th july to submit a defence or is it 14days from 6th july?

 

anyway just sit and wait now-ur getting closer to your payout!!!!!!!!!!!