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JD v's Capital One ***WON***


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http://www.consumeractiongroup.co.uk/forum/capital-one/20613-me-capital-one-o.html?highlight=jdonaldson

 

didn't want to post on last page of original thread as it is very long!

 

But yes just checked my online account and they have refunded the £580 odd in full, charges, interst and court cost. They did it yesterday, I've had no letters from them yet!

 

I putin the small cliams thing at the end of June - but becuase of a couple of errors (by court and me) it didn't get registered until the 1st Aug - after the OFT ruling I believe.

 

I am in total shock!

CAPITAL ONE Amount owed £480+ interest £52.95

Prelim 10th July 06

Reply with £12 difference offer of £168 27 July 06 Replied 9th Aug 06

Another reply from them 25th Aug 06 LBA sent 9 Sept 06

Reply of last offer for £168 received 28th Sept

Finally filed court papers 4 July 2007

 

NATIONWIDE Amount owed £507 + interest £27.98 WON :D

Prelim sent 9 Sept 06 LBA sent 9th Oct 06 Court papers filed 20 Oct 06 Won 15 Nov 06

 

BANK OF SCOTLAND Amount owed £275 SETTLED IN FULL

Prelim sent 14 Oct 06 Offered half refund 28th Oct 06

Sent letter refusing part payemnt 31 Oct 06

Full refund sent in a cheque from BOS on 3rd Nov 06

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I've had a couple of over limit fees on the account since my claim went in. Should I ring them and ask for them back? Or just let them go?

CAPITAL ONE Amount owed £480+ interest £52.95

Prelim 10th July 06

Reply with £12 difference offer of £168 27 July 06 Replied 9th Aug 06

Another reply from them 25th Aug 06 LBA sent 9 Sept 06

Reply of last offer for £168 received 28th Sept

Finally filed court papers 4 July 2007

 

NATIONWIDE Amount owed £507 + interest £27.98 WON :D

Prelim sent 9 Sept 06 LBA sent 9th Oct 06 Court papers filed 20 Oct 06 Won 15 Nov 06

 

BANK OF SCOTLAND Amount owed £275 SETTLED IN FULL

Prelim sent 14 Oct 06 Offered half refund 28th Oct 06

Sent letter refusing part payemnt 31 Oct 06

Full refund sent in a cheque from BOS on 3rd Nov 06

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Ask for them back as the OFT case is for bank charges, not credit cards..

 

Well done. .Congratulations..

 

uk

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