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    • Lolerz - I don't understand you.  Rebuked you?   No. I simply replied to your orange comments with legal facts as I know them.  I've already worked through the s42 and s146 issues - over the last 3-4y - and these issues are (mostly) resolved legally.  In terms of posting evidence.  Sure I can post some.  But my most recent questions have been a) how can I enforce a sale before trial?  And b) how can I make a complaint and/or a claim v receiver? (E.g. to which body do I complain?).  At the mo I'm asking for some helpful pointers on those specific questions??  I'm not asking for help with how to prove or present evidence. Fwiw - all evidence for trial has been disclosed (although additions are poss). The lender sent me like 10,000 emails and docs.  There's also 000s of emails, docs, photos, videos, recordings and texts that relate to freeholders/ me.   I read, filed and categorised everything for ease of future reference.  Witness statements and evidence were prepared for trial in the 42 and 146 matters. (now joined with current claim to save duplication).  I've lived the process before.  My current statement and linked evidence has taken like 6 months to draft/ write - to ensure I can succinctly prove my defence and counterclaim points.   Whether I can convince a judge at trial w/o lawyer / barrister is debatable 🙄   But I've prepared.  And continue to try better prepare - which is why I visit this site (and clinics).  This is NOT my business or expertise at all.  I'm just trying.  Not that anyone should ever have to justify why they need help if they ask politely! 
    • Thanks for the other info will also take a look at that.
    • It doesn't use the word reconstructed in the cover letter.  Although, I have just noticed on the cover letter they have asked me to complete a financial statement and offer a repayment within the next 10 days, or they will continue to follow court directions.  They sent a separate letter on the same day advising me they will be continuing with their claim ?  They have done the same for both claims.  Is it worth just doing that - doing the financial breakdown and offering a x amount.    
    • hahah except I can't locate the courier to frighten them with it hahaha   
    • Dx100uk according to the ICO office, who I spoke to at some length earlier today after getting the email from the court, Equita are the data controller if they have instructed the contracted EA. The ICO have noted the case, and stated very clearly that the court has the higher standing in terms of dealing with, and punishing either party if they fail to adhere to the district judges order and any action they take will not be criminal.    but they also stated very clearly that with what I’ve told them, and on the basis of accepting what I’ve told them as gospel (which it is with written confirmation from both the courts and the police) then there is some major red flags being raised on both sides with them blaming each other.    they’ve advised me to essentially keep my powder dry until there is a charging decision and an outcome from the seperate proceedings with the EAC2 complaint, and then come back to them with the case and they will be in a stronger position to act against Equita and the EA as there will be established facts and evidence that have already been laid before a court.     
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Cap 1 have refunded to card after court papers issued - is this right?


un1boy
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My mum's cap 1 claim has got to court stage, they wrote to her telling her that they have put it in her account as a goodwill gesture.

 

We have been asking for a cheque and told them that all refunds in any other form will not be recognised.

 

Although they given her a full refund on the card, can a cheuque be requested.

 

Surely a goodwill gesture is not the same as a settlement and this was not accepted.

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Have you actually filed a claim in court?

 

Yep. Before we did it they wouldn't refund, then we filed the claim, they defended then said they had put it on the card.

 

They put it on before even telling her!

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*Bump*

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This is quite normal with Capital One. . . If your Mum draws the cash out with her card, they will charge 3% for that transaction. If there was a balance owing to Capital One, then any refund could be paid back to bring that balance down. Your Mum could write back to them and insist on a cheque instead.

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This is quite normal with Capital One. . . If your Mum draws the cash out with her card, they will charge 3% for that transaction. Your Mum could write back to them and insist on a cheque instead.

 

We've done all that, and insisted through each lba and prelim that it's a cheque or it's not acknowledged.

 

They refunded as a gesture of goodwill, not as full and final settlement.

 

Would a court say that it has been refunded?

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un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Has all of the money and any interest been paid in full?

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Has all of the money and any interest been paid in full?

 

 

Yes, they paid everything, including the court fees.

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Not yet willows, it will be now - I can't be bothered with them now.

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What do u mean by nevermind,lol?

 

I'm glad that you are keeping an eye on my persuits - which thread are you talking about?

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My charges claims:

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Haha, I'm glad I've missed out on that fun - gotta leave some for you!

 

Well willows mate, anything i can do to help, just ask! :)

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*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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  • 7 months later...

Not much KP - to be honest, it wasn't my card and I can't be bothered with having to fight them all the time, so we just withdrew the claim from the court.

 

May start something again sometime though.

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My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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  • 4 years later...

I am trying to help my sister make a claim for her PPI with Capital One but I have read that Cap1 can be very harsh about it.

 

Can I get some advise?

 

She thinks she took it out online but it may have been over the phone. She's sent a SAR but they've not responded and are well over their 40 days.

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She must now write to Capones Data Controller, challenging their failure to comply with the SAR.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thanks Briga - she;s just checked the Royal Mail's tracking ()sent recorded) and it says "the itme is still processing through our network" so it looks like it was never signed for.

 

I suppose she will have to send it again?

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My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Exactly how long agonwas this sent?

 

A complaint to RM is needed as well now!

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Bginnging of Decmeber - it just gets more confusing. The date on the receipt was 20.11.2012

 

RM def have no signature for it but the cheque for DPA fee was cashed on 10.012.2012.

 

She has received no acknowledgement.

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My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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OK this must be challeged as non compliance with a lawful request, the time scale is 40 calendar days from the date the SAR was received.

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I've just writtena chase letter to their Data Controller

 

How do I report it to the ICO - is it an easy process?

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Cap1 cough quite nicely.

 

esp on PPI when you get passed the initial fob off letter.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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