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    • I had some contact with this company earlier in my working life but I'm afraid there's not a lot I can suggest that you haven't already done. During your grandfather's time  British Celanese was a subsidiary of Courtaulds. Courtaulds was subsequently (after your grandfather had stopped working there) acquired by Alzo Nobel. They in turn closed down the Spondon site and sold it. I have no idea what the number is that you are trying to call. It's a Derby (Spondon) area code but the number appears not to be allocated. From my slim knowledge of the history of the company I would have expected your grandfather's pension to be in the Alzo Nobel (CPS) Pension Scheme.  But Willis Tower Watson are the Pension Scheme Administrator of that scheme and would be the people who should know if your grandfather had contributed. Is your grandfather certain he contributed? Joining pension schemes wasn't compulsory in those days. Or might he have got his contributions returned when he left them? That happened sometimes back then. Sorry not to be of more help.      
    • I am sorry I am not aware of this report from IAS assessors? The Court will consider my application at a online hearing in June. The Court instructed me to send Bank copies of my sons condition proving he could not have been the driver I have heard nothing further. My son is not aware of any proceedings I have not involved him to avoid causing him distress, he has been sectioned a fair few times and I need to avoid this happening.
    • I am very pleased that the Court has taken the decision to allow you to  represent your son and hope that he is happy enough with that to relieve the stress he will also be feeling. I do agree that Bank parking are so insensitive, greedy, horrible etc etc to continue proceedings considering  in what it is a very minor case of a wrong number plate . Even their  own  IAS Assessors, who are normally hopelessly biased in favour of their members, went out on a limb and said  " The Operator's evidence shows no payment for the Appellant's vehicle, or anything similar. It does show two payments for the same registration in quick succession. I would take a reasonable guess, based on the circumstances described, that the person paying has paid for the registration of the person they assisted again." That is damning evidence and you must take that report with you as well as including that in your Witness Statement which we will help you with. I would expect that Bank would discontinue the case at that point.  But I am sorry to say  that you should not count on it.  
    • Evening all,   I have deliberated over this offer for two weeks and I have decided to take their offer. I do understand that some may prefer us to go to court and receive a judgement but with our personal circumstances and my current military commitment that could become an issue. I am so grateful for all the help and support you have all offered me over the last few months. I will continue to monitor this site and push all those that are being wrong to get in touch.   Thank you! what you all do is truly amazing!
    • When I first responded to the PAPLOC, and received that 29 page junk back it was accompanied with a letter saying that they had already responded to my request back on Feb 18th 2023,(I never received it). I was just clearing out some paperwork today and found a letter from Lowell, dated Feb 17th 2023, explaining that they were still waiting for the documents from PayPal, and my account was on hold  until further notice.  Does this mean they were lying and can it be used against them if this goes any further? I have now filed my defence, and have had an acknowledgement from Overdales and the court. A little threatening from Overdales , explaining that part of my defence was invalid because they have now complied with the CCA, and they were still waiting for the Default notice from PayPal.
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deedee1310 v Capital One **WON**


deedee1310
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N1 filed today by courier! Yippee! The countdown begins...............

 

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

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All the best DD. (is it my imagination, or have you gone a funny colour?)

 

LOL. MacBoy created me a new avatar in honour of my becoming a Gold Account customer! Hence the "gold" tint to my lovely face :p

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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

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Lol! What a ninny I am. :p

 

I have received my N1 back today from the court because I didn't enclose the cheque. Doh!

 

Back it goes tomorrow.............. :D

 

deedee x

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

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Deedee really. . worth a try i suppose. .

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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Deedee really. . worth a try i suppose. .

 

Indeed. That's what happens when you do things when you're tired. Note to self - get more sleep!

 

How are you UK?

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

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I'm fine. . . burning the candle at both ends though. 2 days off tomorrow and Thurs.. Looking forward to a rest, and a beer. .

 

 

Deedee go to bed.. .I see you lurking

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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  • 3 weeks later...

Hola todas! He vuelto de España hoy!

 

I have returned home today, to find a settlement letter from Capital One. They have rejected my claim for CCI but have agreed to pay the following

 

1. All the purchase interest ever charged on my account

2. Interest owed to me under s.69 County Courts Act 1984

3. Court fees

5. Penalty fees.

 

Total payable £1430.05 - 440.11 (which they reckon I owe them - I do not) = £989.94

 

They have agreed to remove my default but not the late payment markers :mad: . They have not mentioned the CCJ removal that I have requested either. They state that I had opportunity to correct any misspelling of my name on my credit agreement (actually it was an APPLICATION FORM). I have a copy of the form which they sent me as fulfillment of my earlier CCA request and my name was spelt correctly on the form, so I had no need to correct it. :confused:

 

I will not accept the money until they have calculated what they owe me correctly and that they acknowledge that the late markers need to be removed as does the CCJ.

 

Welcome home 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

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BUMP!!!

 

Hello guys. I would really appreciate some advice on how to proceed now. Cap One think that the matter is resolved but they have another thing coming. For a start they still think I owe them £440.11 which is incorrect.

 

I'm beginning to get a little tired of all the fighting and letter writing. I have checked my credit file and they have indeed removed the default marker on my account, but have changed it to settled instead and put late markers on the account file, which were previously not there :(

 

I wouldn't have made it this far without all the support from CAG members so I am calling up members of the Cap One forum to give me some advice.

 

I'm off to re-read Tanzarelli's thread as he had a similar battle with Cap One. :(

 

deedee x

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

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Sorry to bump again but I would really love some advice from any successful Cap One claimants. I am currently trying to put something together, addressing their settlement letter and setting out unconditionally what I will accept as settlement of my claim.

 

I will not be accepting the cheque when it arrives because

a. I do not owe them any money

b. They have failed to address my point with regards to CCJ removal

c. They have removed the default and exchanged it for late payment markers which to me is just as bad.

 

Looking forward to hearing from you.

 

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

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  • 2 weeks later...

BUMPING AGAIN - UK or Steven where are you?..............

 

ANYONE - PLEASE!!

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

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I will not be accepting the cheque when it arrives because

a. I do not owe them any money

b. They have failed to address my point with regards to CCJ removal

c. They have removed the default and exchanged it for late payment markers which to me is just as bad.

You seem to know what you are doing - just write and tell them this just like you told us. THey will not want to go to court, so the nearer that eventuality becomes, the more reasonable they will become.

 

 

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Thanks Steven.

 

I just wanted to make sure I was on the right lines.

 

Just one more question. Should I accept their offer of 8% Stat Interest or push for the Contractual Interest I claimed? If so , it would it be on the grounds of mutality and reciprocity - right?!! Sorry for my questions it's just that I have read so much and it's doing my head in!

 

The cheque arrived yesterday :( . I have made a photocopy, as proof that it came :)

 

 

 

Thanks for your help.

 

deedee x

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

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Hi deedee, you got same offer as me, I managed to get an extra £200 out of them plus all late markers removed from my credit file (result :D ) but it was a very long hard battle. I sent my cheque back and it was over 2 months before I got any movement on this, it was only when I made a real nuisance of myself to their legal dept. Lynns was in court this week and Cap One turned up, she accepted the 8%, if I can find her thread I'll post a link.

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Hi deedee, you got same offer as me, I managed to get an extra £200 out of them plus all late markers removed from my credit file (result :D ) but it was a very long hard battle. I sent my cheque back and it was over 2 months before I got any movement on this, it was only when I made a real nuisance of myself to their legal dept. Lynns was in court this week and Cap One turned up, she accepted the 8%, if I can find her thread I'll post a link.

 

Thanks Doo.

 

I am currently going through my particulars of claim and their crappy settlement letter, and making points in support of my rejection of their shabby offer. I'm also going to push for CI until we get to court, after all I did state in my POC that I would accept Stat interest if the court was not happy with my claim for CI. I also need that flaming CCJ removed, so this is not just about money.

 

The cheque looks good though!

 

deedee x

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

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Hi Deedee,

Was reading your thread, as I have just got my statements back from Crap 1 and intend to CCA them as well, cause for some reason they have been charging PPI as well. Anyway, just thought I'd reassure you that I recently had a CCJ set aside by Studio Cards through Moorcroft. So it is possible. Just keep going till its done.

Good Luck

Manjusha

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Thanks manjusha!

 

I finished my letter to them yesterday and enclosed the cheque (oh the pain) and wrote a letter to the Court. As I said before, the money aspect is about 50% of my claim. I've come this far so I most definitely won't stop until I get what I want.

 

Cap one didn't even start taking my claim seriously until I filed my N1 so we shall see what happens.

 

Thank you for your support. :D

 

deedee x

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

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Quick update.

  • Letter to court re Cap One non-settlement sent today with Abbey AQ, by courier.
  • Letter to Cap One detailing my settlement conditions sent today by Special Delivery.
  • AQ for Cap One prepared today and will be sent today by Special Delivery.

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

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  • 3 weeks later...

Just to update again.

 

I received Capital One's AQ copy last week. They are still stating that they have settled the case.

 

Should I start making a nuisance of myself by calling their litigation team to try and hurry this along or to keep it in writing?

 

All ideas and suggestions as usual are welcome.

 

deedee x

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

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  • 4 weeks later...

BUMP!!

 

Still no response from Capital One. I sent a letter about three weeks ago, to the the court, objecting to the stay that had been applied to my case.

 

I have received a letter this morning stating that the case had been transferred to a county court in London?!!!

 

Should I prepare my court bundle and send it in to the court and should I be chasing Capital One again, since it's been over a month since they received my Settlement Rejection Letter? I would really like this concluded within the next month. Maybe a letter a week will focus their minds.

 

Suggestions and ideas as alway will be appreciated.

 

deedee x

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

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You don't need to send the bundle to the court until they tell you to but there is no harm in starting to get it all together on the PC - I wouldn't print it until you know you are going to need it - save some trees :)

 

You can hasselle Cap1 if it makes you feel better but I don't think it will make mush difference - it's really the court that is setting the pace.

 

 

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  • 11 months later...

BUMP!!

 

Gosh - it's been nearly a year since my last post! After hearing nothing for a while, I have been given a date for my preliminary hearing which is 17 October.

 

Should I hassle the Crap Ones to see if they will agree to settle? Should I have my Court Bundle prepared? My knowledge is rusty and this is the first creditor that I have actually got to the Prelim. hearing stage with.

 

I look forward to hearing from you.

 

Dee

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

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