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Adams x 2 v's capital one


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Going through my box of old statements I found my capital one statemnts for me and OH so I have totted up the charges and sent the letter LPV today with a list of all chrges using the excel spreadsheet on the templates ( not the 8% one) so fingers crossed I amay have a reply in 14 days.

 

These 2 accounts are now closed but that shoulcn't make any difference shoudl it?

 

Mine is for £255.71 and oh £363.90:-D hope all goes well on this.

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Only till wednesday now then I can post of the LBA.

 

The only thing is my OH went for an interview withthem today - do you think i should not claim nothis oppurtunity has cme up will it cloud their judgment of him?

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OH got a letter this am offering £163 bsasically saying that he signed the contract etc so knew the t&c's and they are refunding the £8 difference of their charge and £12... so not too sure whatto do now as oh has a second interview withthem on monday so might wait to see what happens there - if he doesn't get the post the LBA will be sent straight away. OH is claiming £358 - so do people normally accept here or go on to the LBA and to court before C1 give in?

 

Strange i didn't get a letter as we sent them off at the same time.

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So I finally get my letter but its notthe same as OH's it is the one you know how it goes thank you for your enquiry blah blah its going to take us a while to look into your enquirywith a detailed response we will do everything to get back to you in four weeks.

 

Well charming. my chrges were less than OH's and he got an offer. LBA will be going off next week - dependant on OH's interview on monday!!

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I would strongly suggest you do not accept the offer on OH account - it is less than 50% of the amount you are claiming - that really takes the mickey.

 

Do not accept anything less than an unconditional offer of 100% settlement.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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i understand what you are saying but if he gets the job at capital one and then takes them to court he will be finished in his probationary period if you see what I mean - thats why we will wait to hear if he gets the job or not - if he gets it accept it and be quiet if not then LBA and court action here we come!!! :eek:

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So I sent my LBA on the 4th and onthe 5th I got a letter offering my full claim but not the interest so £220 - I am going to accept this and a dontion will be on the way when I receive the cheque - Thanks guys - just waiting to hear about OH's jobs which should be in the next day or so so I can pursue his claim.

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  • 2 weeks later...

How about:

 

Dear Mr Banker

 

Thank you for your offer of £xxx.xx as part settlement of my claim.

 

Your offer is not satisfactory, although I am prepared to accept this sum, unconditionally, in part-settlement of my FULL claim of £yyy.yy.

 

I shall continue to proceed with my action to recover the remainder of my claim.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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  • 1 month later...

Sorry...

 

So I have just done a MCOL for OH's account - do I need to PM anything to bankfolder or do I wait until it is allocated or someting?

 

Its all exciting

 

Ii am looking at other accounts to tackle over the weekend

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  • 2 weeks later...

Hi I Am At The Almost Same Stage As You. Got My "capitol 1 Will Be Defending The Claim" The Day Before. Can I Ask You, Have You Sent In Your List Of Charges To Money Claim Yet Or Do You Wait Until You Are Asked For It?

 

Good Luck

 

 

Juli99

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  • 2 weeks later...
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