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    • Sorry I didn’t think to come and update this.    So the outcome was that he went to court. Apparently the judge told the landlord off for not sending a letter before action but did nothing about it. He didn’t accept all the damages the landlord claimed, and told him off for accusing my friend of deliberately and maliciously damaging anything, and he awarded him small amounts of the damages he claimed for. The landlord had also made an awful lot of things up that never existed and accused my friend of stealing them, and the judge didn’t accept any of those claims.   However, I’m back asking advice now. So he made an offer of payment via the court forms, sometime before Christmas and straight after the hearing. The landlord didn’t reply so the court accepted the payments.  My friend has been paying the £10 a month each month. Then a couple of days ago he had received a letter from court with a hearing date in a couple of weeks, and a very irate letter from the landlord saying that my friend has consistently lied and that nothing he says should be believed, and that he wants the bailiffs to be called on him and that he absolutely refuses the payment plan. The letter is marked as received by the courts in December and this is the first that’s been sent since then. My friend and his wife are now panicked, what does this mean? And can they now get bailiffs sent round? He earns an ok wage, which somehow the landlord has referred to in his letter, but he equally has a lot of expenditure and can’t afford to pay any more. What will happen at this hearing and can they send out the bailiffs just because the landlord wants them to?    I have no clue what to advise him, can you help at all please?
    • Thanks Bank – I took your cynicism / experience on board and responded thus: Thank you for your response Mr Schnur  I set out my position quite clearly in my letter of claim and nothing has changed. Your insurance requirement is unlawful and is contrary to section 57 of the Consumer Rights Act, and also section 72 of the same statute. I would also refer you to the outcomes in PENCHEV v P2G (225MC852) and SMIRNOVS v P2G (27MC729).  My deadline for action - 1 May 2024 - still stands.
    • The other thing is that you are making a big mistake imagining that they are at all concerned about wasting court costs et cetera. They are only concerned about being obstructive and discouraging others.  
    • I have dad's last will from 2019 which mentions the trust. I am in the process of going through probate as the only thing that needs probate is a couple of shares he has (under £3000).  Speaking to my brother and my dad's wife they wouldn't mind going with another solicitor if we need to pay extra for the trust.   
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HELP ... new claim against capital one


kibby
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HI, i have received all my bank charges back and am therefore starting on my credit cards. I got all my statements from capital one this morning but i cant find the prelim letter that i send to them?? Also what is the interest i can claim back?

Prelim letter sent to Ulster Bank for £1734.00 on 18 September

Received offer of £150 - 30/09/06

LBA sent 02/10/06

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Hello Kibby

 

Now you have your charges, you need to list them in a spreadsheet. If you are asking for Contractual Interest, then this should be asked for from the start. If your not asking for APR then just list the charges, date, amount, reason, and days passed, then ask for them back.

 

To work out your APR, on your monthly statement you should have below the transaction box, your current Purchase interest and cash advance interest. It will be some thing like:

 

Purchase Interest 1.897%

Cash Interest 1.976%

 

Add these 2 figures together to get an average and divide by 2, then type it into this calculator found here:

 

http://www.shweb.pwp.blueyonder. co...Sheet_v1.9.xls

 

Do not use the spreadsheet on here, as it's for bank charges only. The calculator is very accurate. If you don't have your APR or % figures, call them asking what it currently is.

 

When you have your APR, type this into your spreadsheet on each charge. It is not uncommen for people to have an APR of 34%...

 

The Prelim Letter can be found here:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html

 

Hope this helps

 

Ukaviator

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Thanks for ur help. I'll get it all done and in the post for monday, Cant wait to get my money back lol. Have u won any claims urself?

Prelim letter sent to Ulster Bank for £1734.00 on 18 September

Received offer of £150 - 30/09/06

LBA sent 02/10/06

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Yes i have, and helped hundreds more get their charges back. Remember the spreadsheet on the link is for bank charges only, just use the very accurate calculator for your APR to insert into the spreadsheet, which can be found in the links below.

 

Uk

  • Haha 1

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  • 1 month later...

I received a reply from capital one yesterday and as a gesture of goodwill they offered me £96. I am now just about to send off my LBA. Wish me luck. If they ignore this then what do i do then?? I got my charges from the bank but is it a different process with a credit card?? How do i lodge my claim etc?

Prelim letter sent to Ulster Bank for £1734.00 on 18 September

Received offer of £150 - 30/09/06

LBA sent 02/10/06

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Yes send off your LBA. You have two ways of getting this back, try the court using an N1 form or go the Ombudsman route. The Ombudsman are not doing bank charges claims at the moment, but they are doing Credit card claims. If you do go the Ombudsman route, there is a claim form for you to fill in and print off. Send it to them with copies of your statements and all correspondance, and they will investigate your complaint. The link to the complaint form is here.

 

our complaints procedure and how to complain

 

Uk

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  • 1 month later...

Just received my LBA saying that i will def not be getting any more money from them. When filing my claim with the court do i just do the exact same thing i did when filing a claim against the Banks??? What address do i use for capital one?? I am a bit confused because I am in Northern Ireland and capital one are in mainland UK. How does this work if i file a claim in my own courthouse??? Any help is much appreciated.

 

KB

Prelim letter sent to Ulster Bank for £1734.00 on 18 September

Received offer of £150 - 30/09/06

LBA sent 02/10/06

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Hi Kibby

 

Use the N1 form when you file, so that you can get all of the POC on the form. What address do you have for Capital One?

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I used

Capital One Services Inc

Trent House

Station Street

Nottingham

NG2 3HX

 

Not sure if it makes a difference that you're not on the mainland, you're still classed as UK aren't you. Just ring up your local court and check. If its different they'll tell you.

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Thanks i will use that address, i used the nottingham address for posting my other letters. Just a bit baffled, what is the N1 form???

Prelim letter sent to Ulster Bank for £1734.00 on 18 September

Received offer of £150 - 30/09/06

LBA sent 02/10/06

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Hi Kibby

 

Have a read here:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

There is a link to the N1 form there also. It is the official form for filing your claim with the court.

 

Uk

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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