Capital One

debs81

shooter wrote: »

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

issue mcol definately. you'll get full refund of charges plus interest plus court costs. you won't get anywhere unless you take them court. you wont have to physically go to court as they cave before then but you'll need to have started court action. from the time i issued mcol to receiving my cheque was about 4 weeks.

shooter

:beer: Thankyou You have reassured me that thats the next step


Shooter

pinkkat8910

debs81 wrote: »

issue mcol definately. you'll get full refund of charges plus interest plus court costs. you won't get anywhere unless you take them court. you wont have to physically go to court as they cave before then but you'll need to have started court action. from the time i issued mcol to receiving my cheque was about 4 weeks.

Cheers Debs81 - you've inspired me to contest them.

I put a claim in against them for £120 and received an offer of a measley £44 this morning

pinkkat8910

On a side note, when putting a claim together through MCOL (my first one) do I need to add the interest on as well or do they do that?

If I'm adding it on is it at the rate of the CC?

Thanks

Wiggynut

pinkkat8910 wrote: »

On a side note, when putting a claim together through MCOL (my first one) do I need to add the interest on as well or do they do that?

If I'm adding it on is it at the rate of the CC?

Thanks

I put the amount of the charges... then interest as a seperate amount then gave the total amount to be claimed ie: £240 charges, £45 Interest, total claiming £285.

Not my exact amount as I don't have them on me but hope that helps.
They will defend (they are just saying they don't agree that they should pay you back!) but then you will get a letter saying they don't want to waste court time, money... blah, blah... but will send cheque in two weeks... which I think has happened to everyone so far!
Not long to go now! :j

pinkkat8910

Cheers Wiggynut I'll crack on with it then

Did you calculate your interest at 8%?

Also, when you proceeded with MCOL did you write to Capital One at the same time?

Sorry for all the questions, am learning slow but sure! haha

suelumsden

Use the Interest Calculator on this website PinkCat8910. Its easy.

pinkkat8910

suelumsden wrote: »

Use the Interest Calculator on this website PinkCat8910. Its easy.

Ah yes ... must be the 8% then!

Thanks Sue!!

Wiggynut

pinkkat8910 wrote: »

Cheers Wiggynut I'll crack on with it then

Did you calculate your interest at 8%?

Also, when you proceeded with MCOL did you write to Capital One at the same time?

Sorry for all the questions, am learning slow but sure! haha

I used the MSE calculator on the main part of the bank charges reclaim bit! I'm rubbish at maths (I'm sure claiming against RBS slowed me down as I got the maths wrong!), I think that calculator is 8% but I would say best to check first.

I only wrote 2 letters to Capital - I had statements so I just asked for the money back... then the LBA. I pretty sure that was it... then I started mycol and I was skint so I did leave it for a couple of weeks.
I will have to check as my paperwork is at home but this one was the easiest and quickest out of the lot! in total it took less than two months but as I said I did leave a gap.

my others started back in February and I wrote lots of letters to them.
So it's just the catalogue and Cap one that were easy!

I've had another catalogue give me back premiums from their payment protection & insurance as they missold it too me - I didn't even complain or ask for the money back... just to cancel it. They refunded the whole lot back and with 8% interest on top!
I've had a good month! 3 cheques within a week! and won a competition - love this site

pinkkat8910

Wiggynut wrote: »

I used the MSE calculator on the main part of the bank charges reclaim bit! I'm rubbish at maths (I'm sure claiming against RBS slowed me down as I got the maths wrong!), I think that calculator is 8% but I would say best to check first.

I only wrote 2 letters to Capital - I had statements so I just asked for the money back... then the LBA. I pretty sure that was it... then I started mycol and I was skint so I did leave it for a couple of weeks.
I will have to check as my paperwork is at home but this one was the easiest and quickest out of the lot! in total it took less than two months but as I said I did leave a gap.

my others started back in February and I wrote lots of letters to them.
So it's just the catalogue and Cap one that were easy!

I've had another catalogue give me back premiums from their payment protection & insurance as they missold it too me - I didn't even complain or ask for the money back... just to cancel it. They refunded the whole lot back and with 8% interest on top!
I've had a good month! 3 cheques within a week! and won a competition - love this site

Bloomin Heck - can you pass some of your good luck my way!

Right I'll get on with it as soon as I get home from work - will keep you posted!

Thanks! :money: