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Capital One

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  • LozBingley
    LozBingley Posts: 580 Forumite
    Hi All,

    Just had my offer upped from £303 to £1489.03 after sending the following Letter and 'Statement of Littigation' that I designed. ;) Its £3.88 short but thats close enough for me!

    Oh Boy! I think they are going to get a lot of these now! :rotfl:


    Dear Ellie,
    Re. Account number: xxxx xxxx xxxx xxxx

    Thank you for your letter of 27th June 2007, where you failed yet again to appreciate that your charges are unlawful in value, not illegal in application! As such you will no doubt be aware that I have the law on my side. For this reason I still can not accept your dismal offer of £303.


    You charges should not represent an extravagance as any charge should not exceed the cost of the breach of the contract, which in plain English means, you can not charge me more than the cost of raising the charge against me.


    The only possible way you can legally defend yourselves against any part of this claim is to provide me with a detailed costing of the administrative process that added the charges to my account, as Yorkshire Bank have been asked to produce by Judge Iain Besford at Hull County Court earlier this month.


    Unfortunately until such time that you make this information available to myself and, should we get that far, to the court, I can not accept any offer less than the total charges applied, plus interest @ 8% as per my schedule, and a full refund of the £120 court fee I have paid. As of today, that now totals £1,492.50.


    I should also remind you that should you defend this claim and it is passed to my local court there will be a further £100 administrative fee that I will pay and you will become liable for. You will also be liable for a 'Self Litigation Fee' of £230 to cover my out of pocket expenses and time in researching and defending my case.

    Yours sincerely,


    oops I lied about the £100 as its just under the £1,500 bar! If your claim is over (including interest) is more than £1,500 leave that line in ;)
    Statement of Litigation Costs
    <TABLE class=MsoNormalTable style="BORDER-RIGHT: medium none; BORDER-TOP: medium none; BORDER-LEFT: medium none; BORDER-BOTTOM: medium none; BORDER-COLLAPSE: collapse; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-border-insideh: .5pt solid windowtext; mso-border-insidev: .5pt solid windowtext" cellSpacing=0 cellPadding=0 border=1><TBODY><TR><TD style="BORDER-RIGHT: windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: windowtext 1pt solid; PADDING-LEFT: 5.4pt; BACKGROUND: silver; PADDING-BOTTOM: 0cm; BORDER-LEFT: windowtext 1pt solid; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; mso-border-alt: solid windowtext .5pt" vAlign=top>Court Ref<O:p</O:p</TD><TD style="BORDER-RIGHT: windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: windowtext 1pt solid; PADDING-LEFT: 5.4pt; BACKGROUND: silver; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt" vAlign=top>Description<O:p</O:p</TD><TD style="BORDER-RIGHT: windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: windowtext 1pt solid; PADDING-LEFT: 5.4pt; BACKGROUND: silver; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt" vAlign=top>
    £
    </TD></TR><TR><TD style="BORDER-RIGHT: windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: windowtext 1pt solid; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top>7Qxxxxxx<O:p</O:p</TD><TD style="BORDER-RIGHT: windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top>Charges claimed<O:p</O:p</TD><TD style="BORDER-RIGHT: windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top>
    981.00
    </TD></TR><TR><TD style="BORDER-RIGHT: windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: windowtext 1pt solid; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top><O:p</O:p</TD><TD style="BORDER-RIGHT: windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top>Interest @ 8% to </O:p</TD><TD style="BORDER-RIGHT: windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top>
    391.91
    </TD></TR><TR><TD style="BORDER-RIGHT: windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: windowtext 1pt solid; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top><O:p</O:p</TD><TD style="BORDER-RIGHT: windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top>Court Fee<O:p</O:p</TD><TD style="BORDER-RIGHT: windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top>
    120.00
    </TD></TR><TR><TD style="BORDER-RIGHT: windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: windowtext 1pt solid; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top><O:p</O:p</TD><TD style="BORDER-RIGHT: windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top>Self Litigation Fee<O:p</O:p</TD><TD style="BORDER-RIGHT: windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top>
    230.00
    </TD></TR><TR style="mso-yfti-lastrow: yes"><TD style="BORDER-RIGHT: windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; BACKGROUND: silver; PADDING-BOTTOM: 0cm; BORDER-LEFT: windowtext 1pt solid; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top>Total<O:p</O:p</TD><TD style="BORDER-RIGHT: windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; BACKGROUND: silver; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top><O:p</O:p</TD><TD style="BORDER-RIGHT: windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; BACKGROUND: silver; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top>
    1,722.91
    </TD></TR></TBODY></TABLE>
    Please send remittance by return of post.
    Got It & Spent It :dance:
    IKEA CARD = £120 charges = £175 received (146%)
    MARBLES = £450 charges = £370 received (82%)
    I.F. = £494 charges = £494 received (100%)
    CAPITAL ONE = £981 charges = £1,489.03 (152%)
    BARCLAYCARD = £580 charges = £786.12 (136%)
    On Hold :mad:
    A+L = £722 charges (target = 147%)
    BARCLAYS = £1,405 charges (target = 128%)
    BARCLAYS = £175 charges (target = 140%)
    ABBEY = £3,220 charges (target = 148%)
  • ripski
    ripski Posts: 133 Forumite
    This is great , I shall crib if I may.? I am claiming about the same and intend to start MCOL tonight. I have tried 3 or 4 letters now , more than I did with Nat West in attempts to negoitate Cap One just stone wall me with offer of £ 360 -and so to battle
  • Twinkly
    Twinkly Posts: 1,772 Forumite
    LozBingley wrote: »
    You will also be liable for a 'Self Litigation Fee' of £230 to cover my out of pocket expenses and time in researching and defending my case.[/SIZE][/FONT]

    I sent a similair letter advising 'Ellie' (Renshaw ? If so same one as me :) ) of all costs applicable to enforced recovery action in the absence of forthcoming lawful resolution. In mine I mentioned a Wasted Costs Order to the value of £320 though. Full info and details on applying for this kind of order here for anyone who is interested:

    Wasted Costs Order

    I dont think they are too bothered about the costs though. With interest and costs and a Wasted Costs Order (if applied for) it more than doubles my claim of £650 to £1368. It is ridiculous that Capital One employ such wasteful staff who are consistently losing the company money like this.
  • Twinkly
    Twinkly Posts: 1,772 Forumite
    ripski wrote: »
    This is great , I shall crib if I may.? I am claiming about the same and intend to start MCOL tonight. I have tried 3 or 4 letters now , more than I did with Nat West in attempts to negoitate Cap One just stone wall me with offer of £ 360 -and so to battle

    I should be filing MCOL on friday if the ex stumps up his half of the fee so our claims will run pretty much together. Good luck :)
  • k1mmie
    k1mmie Posts: 833 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    I am currently going through the FO with Cap1 for both my husband and myself. lets see how long it takes!
  • beckied
    beckied Posts: 151 Forumite
    Ashelee wrote: »
    Hi Everyone

    Can anyone help answer my tiny question?

    I logged a MCOL against Cap 1, it was acknowledge 06/07 and Ive received my Notice that Acknowledgement of Service has been filed.

    I understand that they have 28 days from the Date of Service to log a defence however are Capital One actually getting that far?

    Ive read that they 'usually' come back saying that they have paid the claimant etc at around 21ish days but is this before they log a defence or after a defense is logged?

    Dont want to count my chickens before they hatch, just like to know what time scales I should be looking for!

    cheers

    Ash

    Hi Ashelee
    I have recently won with cap1 i filed mt claim on 12/06 then they acknoledge the claim on the 20/06 but the date they sign it was the 16/06 21 days after the 16th i recieved a letter saying they was going to pay up in full!!!
    It will happen they was the longest 21 days of my life i kept thinking i will be the only one that doesnt win but when you do it is all worth while.
    I would of thought that you will hear something by the mid/end of july.
    Keep me posted!!
    Good luck
    Beckie;)
  • chrissieo
    chrissieo Posts: 56 Forumite
    As Cap 1 did not acknowledge my MCOL I pressed the Judgement by default button on Tuesday 10/7, how long should I wait before I start chasing them for payment.

    Chrissie
    When one door closes, another one always opens, but sometimes it's hell in the hallway:rolleyes:
  • Ashelee
    Ashelee Posts: 49 Forumite
    beckied wrote: »
    Hi Ashelee
    I have recently won with cap1 i filed mt claim on 12/06 then they acknoledge the claim on the 20/06 but the date they sign it was the 16/06 21 days after the 16th i recieved a letter saying they was going to pay up in full!!!
    It will happen they was the longest 21 days of my life i kept thinking i will be the only one that doesnt win but when you do it is all worth while.
    I would of thought that you will hear something by the mid/end of july.
    Keep me posted!!
    Good luck
    Beckie;)

    thats Great Beckie! Hope they pay you up soon!

    Ill sit and wait paitently then. My Acknowledgement was signed on the 02/07, MCOL says 06/07 so hopefully ill hear something week commencing the 23!!! justin time for my birthday and holidays!!! sport-smiley-001.gif Fingers Crossed!!!

    Keep me posted with how you get on!

    Ash
    Finally getting my finances in order
    :j
    HSBC £2518.68 1st Letter 15/05/07, Acknowledged 23/05/07, LBA sent 06/06/07
    Capital One £1112 Request letter sent, 11/06/07 offer of 348 received, "ill have a part payment pls along with the rest" leter sent
    Black Horse £25 supposedly?! - i think not! show me evidence!
    Halifax lBA sent 20/06, Rejection letter 22/06, Phoned for Reevaluation 25/06 ..the waiting starts
  • chrissieo
    chrissieo Posts: 56 Forumite
    chrissieo wrote: »
    As Cap 1 did not acknowledge my MCOL I pressed the Judgement by default button on Tuesday 10/7, how long should I wait before I start chasing them for payment.

    Chrissie

    Should I complete the warrant part of the MCOL at this stage or only if they delay payment. I am very confused.

    Chrissie
    When one door closes, another one always opens, but sometimes it's hell in the hallway:rolleyes:
  • LozBingley
    LozBingley Posts: 580 Forumite
    chrissieo wrote: »
    As Cap 1 did not acknowledge my MCOL I pressed the Judgement by default button on Tuesday 10/7, how long should I wait before I start chasing them for payment.

    Chrissie

    If you have managed to get Judgement by default and not Rejected then Cap1 will be contacted by the court, if you don't hear anything within 7 days there is another process on MCOL that allows you to move on to the next stage and get the court to get your money :) This incurs further costs to Cap1 so its in their interest to pay up :)
    Got It & Spent It :dance:
    IKEA CARD = £120 charges = £175 received (146%)
    MARBLES = £450 charges = £370 received (82%)
    I.F. = £494 charges = £494 received (100%)
    CAPITAL ONE = £981 charges = £1,489.03 (152%)
    BARCLAYCARD = £580 charges = £786.12 (136%)
    On Hold :mad:
    A+L = £722 charges (target = 147%)
    BARCLAYS = £1,405 charges (target = 128%)
    BARCLAYS = £175 charges (target = 140%)
    ABBEY = £3,220 charges (target = 148%)
This discussion has been closed.
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