Capital One

k1mmie

Thanks Dave. However at the time could not afford the court fees, so chose the FO route. This is dragging on and they have just written saying they have not heard from Crap1 and will update me in another month as they have had to chase them up. This is my hubbys account - but will start mcol this week for my charges. Do they pay up with interest or not?

pinkkat8910

sorry please excuse my stupidity - whats MCOL?

am in similar position to OP so would be helpful to know

Thanks

debs81

k1mmie wrote: »

Thanks Dave. However at the time could not afford the court fees, so chose the FO route. This is dragging on and they have just written saying they have not heard from Crap1 and will update me in another month as they have had to chase them up. This is my hubbys account - but will start mcol this week for my charges. Do they pay up with interest or not?

yes they pay interest and court cost. i received £581 - £376 for the actual charges, £125 for interest and £80 court fee,

angelwillow

pinkkat8910 wrote: »

sorry please excuse my stupidity - whats MCOL?

am in similar position to OP so would be helpful to know

Thanks

It stands for Moneyclaim online and there is a link for it on the bank charges home page.
Unfortunately I had to go via the FO aswell because of the claims limit in Scotland and like k1mmie it's taking ages.

angelwillow

suelumsden wrote: »

By the way, they sent the info to me without paying the £10, so I would try initially with not sending the £10

Well they def cashed my cheque and that's the last I've heard from them...........

debs81

angelwillow wrote: »

Well they def cashed my cheque and that's the last I've heard from them...........

they cashed mine too. not straight away, but after i sent in the reclaim letter.

jdm52

further to my letter to Cap 1 dated 26th July

the builders from the empty house up the road have just delivered a letter that was sent from Cap 1 dated 31 July basically saying that they are sorry to hear that their offer is not aceptable to me & that I am considering court action but that their offer is a final offer & they won't be increasing it

due to family illness I've had other things to worry about but am I too late to take this further?

I've just noticed too that on my statements (I never usually check my statement in detail, just the payment received and payment due bits), that I'm paying Payment Protection Insurance every month I can't remember signing up for this but as it's on my statements & as I was made redundant last August (2006) surely I could have claimed on this, does anyone have any advice on this please

johnnynonails

jdm52 wrote: »

further to my letter to Cap 1 dated 26th July

the builders from the empty house up the road have just delivered a letter that was sent from Cap 1 dated 31 July basically saying that they are sorry to hear that their offer is not aceptable to me & that I am considering court action but that their offer is a final offer & they won't be increasing it

due to family illness I've had other things to worry about but am I too late to take this further?

I've just noticed too that on my statements (I never usually check my statement in detail, just the payment received and payment due bits), that I'm paying Payment Protection Insurance every month I can't remember signing up for this but as it's on my statements & as I was made redundant last August (2006) surely I could have claimed on this, does anyone have any advice on this please

hi, i dont think its to late at all i got a good will of cap 1 0f £434, i send it back saying i would accept this as part payment , but basically thats all they were going to pay so u have to do mcol or go to the fo , court is quicker,i think , ive just sent my letter away for payment protection wot i never asked for even but if u go on the ppi site u will find cap 1 have been fined for selling ppi , will keep i informed about the ppi but i would just log ur mcol for ur charges gud luck jill

firemeup

Hiya guys! My first post so here goes...

Finally filed on MCOL this morning, claiming £285.59 including interest.

Wish me luck!

What happens next???

shooter

Hi this is my 1st post on this thread

I have received an offer from CRAP1 but this amounts to a small percentage of what i am reclaiming.:mad:
I haven't reached making a claim in court, and was wondering if I would get anywhere if I did.

Has any one got any advise as to this