Good new re Capital One but I am not accepting!

crawley_girl

Received my cheque this morning. Hoorah!

Just waiting til Monday which is the deadline for Sainsburys to file an acknowledgement or else I win by default!

:heartpuls CG :heartpuls

gilly41

Well done Crawley Girl

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I am really pleased for you!!
My letter went out Monday by Recorded Delivery so I will keep you updated
xx

gilly41

Hi
Well I have received a reply today to my LBA. It is again just the usually letter----they have credited me with £40 to my account but that is it!!
Does anyone know what I do now

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do I apply now through the Court?
Thanks
xx

crawley_girl

yes via money claim oneline but I would wait until the deadline that you sent passes. Minus the £40 from the amount you are claiming but when working out the interest, i would knock off the last 2 charges, thus generating more interest for you... am I making any sense? I feel I am waffling...

Don't worry though, they did the same to me and ended up paying the full amount plus interest plus costs as I stated in my letter

:heartpuls CG :heartpuls

gilly41

Hi Crawley Girl
Thanks for the reply. I posted the letter on 8th May recorded delivery so I would assume they received it the next day---Tuesday 9th.
When should i apply online then? Does the 14 days mean working days or does it include weekends?
Getting a bit worried now but I know it will all be worth it:T
Not sure what you mean about deducting the last charges(crikey i sound thick!!!)
Thanks again for all your help
xx

crawley_girl

No you're not thick... I am just tired and not being very clear...

For example... say they owe you £100 and the charges were on the following dates:

12th June 2003 £20
12th July 2003 £20
12th October 2003 £20
12th January 2005 £20
12th February 2006 £20

They have refunded £40 so you assume that these were for the most recent of the charges applied eg 12th Jan 2005 and 12th Feb 2006 - with me so far? So when you calculate the interest you have lost the 2 charges that will provide you will the least amount of interest and kepy hold of the charges that were way in the past and will have more interest owing. Get it?!

With regards to 14 days - I count it to be just 14 days not 14 working days... therefore I would file on 23rd May. You can start filling in the claim now and save it and then send it on that date... it's all fairly easy but remember to tick the box about 'reserving the right the claim interest at 8%APR'

You're not a bother, so don't think that. Someone helped me and now I am passing on my little bit of knowledge. I'm sure you will pass it on to someone after.

Also - it's nice to get one over on !!!!!! One, albeit on a minor scale compared to their corporate level!

:heartpuls CG :heartpuls