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    • lookinforinfo - many thanks for your reply. It would be very interesting to get the letter of discontinuance. The court receptionist said that the county court was in Gloucester 'today' so that makes me think that some days it is in Gloucester and some days its in Cheltenham, it was maybe changed by the courts and i was never informed, who knows if DCBL were or not. My costs were a gallon of petrol and £3.40 for parking. I certainly don't want to end up in court again that's for sure but never say never lol. Its utterly disgusting the way these crooks can legally treat motorists but that's the uk for you. I'm originally from Scotland so it's good that they are not enforceable there but they certainly still try to get money out of you. I have to admit i have lost count of the pcn's i have received in the last 2 yr and 4 months since coming to England for work, most of them stop bothering you on their own eventually, it was just this one that they took it all the way. Like i mentioned in my WS the the likes of Aldi and other companies can get them cancelled but Mcdonalds refused to help me despite me being a very good customer.   brassednecked - many thanks   honeybee - many thanks   nicky boy - many thanks    
    • Huh? This is nothing about paying just for what I use - I currently prefer the averaged monthly payment - else i wouldn't be in credit month after month - which I am comfortable with - else I wold simply request a part refund - which I  would have done if they hadn't reduced my monthly dd after the complaint I raised (handled slowly and rather badly) highlighted the errors in their systems (one of which they do seem to have fixed) Are you not aware DD is always potentially variable? ah well, look it up - but my deal is a supposed to average the payments over a year, and i dont expect them to change payments (up or down) without my informed agreement ESPECIALLY when I'm in credit over winter.   You are happy with your smart meter - jolly for you I dont want one, dont have to have one  - so wont   I have a box that tells me my electricity usage - was free donkeys years ago and shows me everything I need to know just like a smart meter but doesnt need a smart meter,  and i can manually set my charges - so as a side effect - would show me if the charges from the supplier were mismatched. Doesn't tell me if the meters actually calibrated correctly - but neither does your smart meter. That all relies on a label and the competence of the testers - and the competence of any remote fiddling with the settings. You seem happy with that - thats fine. I'm not.    
    • Evening all,   So today, I was sent an updated offer that includes the £12.60 I spent on letters, but they have declined to add the interest at £7.40. They have stating 'We acknowledge your request to claim interest to date, however, this would be at the discretion of a trial judge if the claim did proceed to a trial hearing.' I think I am content with this outcome, and pushing this to a trial for a total interest of £15.30 throughout the claim does not make sense to me.   What are people's thoughts? I am sure our courts have better things to concentrate on?
    • FFRSG3424ListofEvidencepdf-V1 2-merged.pdfFFRSG3424ListofEvidencepdf-V1 2-merged.pdf 2pages T&C,s UCM
    • Have to attend the hearing and present evidence of his financial position (income & expenditure) and  statements ,and agree an acceptable payment plan with the judges guidance.  It will be a form of redetermination hearing as already stated.The court will not agree to bailiffs if the financials do not reflect it or assetts are minimal. They just want to determine his true affordable disposable monthly figure....which will not be £10.
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Colini -v- Capital One


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Lol Lol. I have to say mine came pretty quick and before SAR deadline, so fingers crossed for you, I would expect them in 2-3 weeks mate if I was you. You did send recorded delivery didnt you ? Lol xxx Best of luck. Fendy xxxx

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lol Hi Fendy :-)

 

Hope they get mine out as fast as I'll be taking a fortnights leave in two weeks... just right to sit and pore over the statements... I've forgotten what they look like as they stopped arriving months ago... such a shame that they didn't forget about claiming the DD when they forgot sending them though! :rolleyes:

 

S.A.R - (Subject Access Request) went recorded delivery and was signed for this morning :D I'd go into wait mode now but had better get reading... so much to read, so little time.. lol

 

I'll post back when something happens!

 

C

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  • 2 weeks later...

oooohh... that was fast!! 10 days and I have all the statements - a surprisingly slim envelope but my word, what a lot of charges!! :o

 

Need some advice here tho'.. intend to claim CCI but seem to be spoiled for choice in the number of spreadsheets that I can use - any advice on the easiest one to use?

 

And yes, I tend to go blank when faced with a spreadsheet... so be gentle with me! :p:)

 

Thanks!

C

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Help please!!

 

Confusion reigns supreme here as I battle with this wretched spreadsheet... :-|

 

Can someone lend a hand please? I've entered the details of all the charges made to the account but need advice on the next parts - Statement Balance, Amount Paid and Remaining Balance...

 

Can anyone point me to a worked example/talkthru on calculating these figures because I can't find one on the site and it's driving me up the wall!

 

Thanks for any and all help!

C

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yay!!

 

Sorted the spreadsheet I believe so 1st letter and schedule will be in the post tomorrow morning - recorded of course! :)

 

Hopefully it'll arrive with Mr Udy before the post strike hits on Friday - I just hope that that's over before the 14 days are up so he can make me an offer I can refuse and let me get on with the next stage! I'd have sent my phone number but.... well, maybe not! :D

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yay!!

 

Sorted the spreadsheet I believe so 1st letter and schedule will be in the post tomorrow morning - recorded of course! :)

 

Hopefully it'll arrive with Mr Udy before the post strike hits on Friday - I just hope that that's over before the 14 days are up so he can make me an offer I can refuse and let me get on with the next stage! I'd have sent my phone number but.... well, maybe not! :D

 

Hi the consensus of opinion here is that CRAP1 will pay after you file at court (no big deal plenty of help here) seems to be you file they acknowledge then pay. just follow same steps as every one and as long as no glaring errors they will pay. If you are not sure of anything post for advice you will get it.

 

dpick:p

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  • 2 weeks later...

A letter from Ellie Renshaw!

 

Ellie confirms that Cap One "automatically add late payment fees if your payment is missed, arrives late or doesn't cover the minimum payment"... odd, I thought that was all done by hand, hence the high fees! lol :rolleyes:

 

Rest of letter looks pretty standard, £20 fee is just, OFT haven't challenged the right of banks to charge default fees, yada, yada, yada.... Goodwill offer of £350... lolol the claim with CCI was for £2,500 so that'll be a refusal sent first thing tomorrow and an LBA on Wednesday :D

 

And Ellie didn't even sign the letter personally - I was hoping for something for e-bay! :p:lol:

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A letter from Ellie Renshaw!

 

Ellie confirms that Cap One "automatically add late payment fees if your payment is missed, arrives late or doesn't cover the minimum payment"... odd, I thought that was all done by hand, hence the high fees! lol :rolleyes:

 

Rest of letter looks pretty standard, £20 fee is just, OFT haven't challenged the right of banks to charge default fees, yada, yada, yada.... Goodwill offer of £350... lolol the claim with CCI was for £2,500 so that'll be a refusal sent first thing tomorrow and an LBA on Wednesday :D

 

And Ellie didn't even sign the letter personally - I was hoping for something for e-bay! :p:lol:

 

Hi colini standard letter sometimes they don't even put your name on it. As in my previous post you will have to go LBA then file claim in court you will then get paid approx 21 days later I started court proceeding and got paid Friday 6th july. You will get an offer of 10% to 20% of claim first, then they will confirm that is their final offer, then they will pay in full when you file at court they wont pay untill after you file.

 

you will get paid dpick:p :D

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Hi colini standard letter sometimes they don't even put your name on it. As in my previous post you will have to go LBA then file claim in court you will then get paid approx 21 days later I started court proceeding and got paid Friday 6th july. You will get an offer of 10% to 20% of claim first, then they will confirm that is their final offer, then they will pay in full when you file at court they wont pay untill after you file.

 

you will get paid dpick:p :D

 

Many congrats on your win!! :D

 

Have just sent a refusal, was going to combine it with an LBA but it was too late last night to think.... and this way, even though it'll cost a little extra in postage, it'll stop me getting confused! ;)

 

Don't know if they were offering it in 'full and final' settlement (not that it makes much odds!), as they forgot to enclose the acceptance form which I assume had all the details on... doh... :p

 

Thanks for keeping an eye on this - makes me feel as if I've a lot less chance of screwing up!

 

C

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Many congrats on your win!! :D

 

Have just sent a refusal, was going to combine it with an LBA but it was too late last night to think.... and this way, even though it'll cost a little extra in postage, it'll stop me getting confused! ;)

 

Don't know if they were offering it in 'full and final' settlement (not that it makes much odds!), as they forgot to enclose the acceptance form which I assume had all the details on... doh... :p

 

Thanks for keeping an eye on this - makes me feel as if I've a lot less chance of screwing up!

 

C

 

Don't worry if you don't get this is our final offer keep to your time scale not theirs.

 

As for me watching your thread someone did that for me, I am watching a few when you have your you refund then you return the compliment for someone else thats the way this site works. Best of all we all learn as we go along.

 

all the best dpick:)

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  • 2 weeks later...

Hi All! :)

 

Should have sent Cap One an LBA a week ago but first came the postal strike and then the printer's cartridge ran out... grrrrrrrr!

 

Could somebody be kind enough as to check an interest calculation for me? I've been reading Electric Lemon's thread and want to check if I'm charging CCI or not before I pur printer to paper as it were... :p Think I'd only need one transaction checked to prove the rest...

 

Thanks!

C

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Ahhh... another letter from Ellie Renshaw... I think I'm falling in love! :p:D

 

Ellie's final offer is still open to me - but is her final response as she wants to save the court's valuable time... yeah, right lol :rolleyes:

 

Can someone please help me out by checking the CCI element of my claim?

 

I want to check the amount of interest on a £20 fee levied on 28/08/03 at 30.9%... I make it £46.40... any advances/help please?!

 

Thanks!

C

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Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Thanks Gary... but get yet another different set of answers from this sheet!

Think I'll stick with Vamp's #13 and amend to give a couple of rates - just to show the judge I've thought about things!

Cheers, C 8)

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