Capital One

frugalpam

LEE69 wrote: »

21 st day does seem the normal 'payout' day.

I really hope so for me! I have been given 2 refunds, just £100'ish short of the amount I'm claiming (several hundred pounds), and Cap One acknowledged my MCOL claim saying they intended to defend the full amount of my claim !! Needless to say I'm pursuing them for the lot including interest and court fees.
So tomorrow it's day 21 since they were served with my claim. If they do put in a defence they're going to look pretty stupid, having already refunded a few hundred. I of course told them I only accepted the money as part payment and without prejudice.

Pam

katscash

:money: hi has any one got a direct number for the claims department was told yesterday they dont give this number out?:rotfl:

Beate

moonriver wrote: »

Hi Guys

1. Sent letter claiming charges £600+ excl. charges to Cap One 31/5/7
2. Rec'd offer today of £248.
3. Not accepting.

I am writing to Cap One to advise that I will only accept this as part payment (without prejudice).

My question is ... since I am in Scotland do I file thru' MCOL or Small Claims or FO? Also, anyone out there have experience of the Scottish side with Cap One.

Advice greatly appreciated.

You can only file through MCOL if you have an address in England. If your claim exceeds £750, the FO is probably your best option. Have a read of this thread:

http://forums.moneysavingexpert.com/showthread.html?t=308885

moonriver

Thanks or that!
My claim is bordering £750 incl the interest which I could forget about. So I think I will go with Small Claim and hold my breath.

Good luck everyone!

errrr no, correction ....I won't hold my breath because that could prove fatal!

slugbynature

update on previous post...i sent a letter explaining that i had not received the cheque they had allegedly sent to me for £190.00 and that if i was them would cancel it as it was sent about 6 weeks ago. i also stated that i wouldn't stop the claim until i received a cheque for the full amount claimed, and that when they send the cheque it would be a good idea to send it recorded and i would pay the recorded charge of £1.05 ( i would rather that, than lose everything). They have defended their claim and sent a letter stating that i had received full payment and that a cheque for £190.00 was sent to me on 9th May and i had omitted to mention this in my claim. i cannot do anything else online now as they have defended the claim. i have received the defense from the court and i have until the 11th July to return it. The letter i sent to cap 1 was signed for yesterday. I'm just hoping they will get back to me soonest as i dont wish to go to court:eek: as i am hopefully starting a new job abroad anyday now and to get back for the court case would mean losing a full weeks wages (more than i'm claiming). oh well can only live in hope

SUGARSPICE

Hi

Im claiming from Capital One £1,236.

Ive sent letter 1 asking for statements which I received.
Ive sent letter 2 asking for the money back but they offered me as A Gesture Of Goodwil £414 & that this is their final offer.

Im not accepting this as this is less than half so Im going to be Filing Court Action,to Claim the Charges,Interest & Court Fees as this is what I stated in my last letter.

1.What I need to know is do I add the 8% interest on top of this? Eg: £1,236 + 8% = £1,334.88 or do I do it on Martins Calculator where I put in the Charge amount & Dates Of Charge?

2.Will the court fee be the only thing I would have to pay if I lost?

3.How many days do Cap One get after Ive submitted the claim to maybe pay up?

4.Ive heard that you have to do the charges 6 years from when you submitted the claim so does this mean that I will be claiming less because in 2001 my charges were £18 & £20 but 2007 they are £12,so I would loose a couple of the £18 & £20 charges wouldnt I?

5.Where the bank have given me 4 weeks to send back the settlement form for the offer of £414,does it matter if I dont reply because they will see that Ive Filed for Court Action within that time?



Any more info would be great!

ripski

frugalpam wrote: »

I really hope so for me! I have been given 2 refunds, just £100'ish short of the amount I'm claiming (several hundred pounds), and Cap One acknowledged my MCOL claim saying they intended to defend the full amount of my claim !! Needless to say I'm pursuing them for the lot including interest and court fees.
So tomorrow it's day 21 since they were served with my claim. If they do put in a defence they're going to look pretty stupid, having already refunded a few hundred. I of course told them I only accepted the money as part payment and without prejudice.

Pam

Hi Pam I have not been on site for a while
How is your Nat West claim doing
I have a had a low offer -refused from Cap 1 and will start MCOL next week

frugalpam

ripski wrote: »

Hi Pam I have not been on site for a while
How is your Nat West claim doing
I have a had a low offer -refused from Cap 1 and will start MCOL next week

Hi Ripski! Thanks for asking. I'm still waiting for a Court hearing over my Natwest claim, but the good news is that I had a letter today from Capital One offering to pay up the FULL AMOUNT of my claim - charges, interest and court fees :T :T And, as others have reported, that letter arrived 21 days after they were served with my court claim. They have asked me to cancel my court claim, so I shall be writing back to them to say that I will only do that ONCE their cheque has arrived and cleared !!
Keep at it with Cap One - they always appear to pay up everything before the deadline :T

Pam

katepnlo

RESULT!!!
I am at courtstage with cap 1, they acknowledged and their 28 days are up on the 19th.
Great news is i just had a letterstating, it is not their fault, their charges are correct but out of the goodness of their heart they are paying up in full, court charge and full interest!
£229.31!
not much compared to some but i did it payment will be here within 14days !!!:money: :money: :beer:
So this is in mty garden fund to go towards the bnew decking and fence.
Only halifax credit card and halifax bank to go...will i get enough to make my garden complete..i hope so
question is they say i have to tell the court they are paying to stop it all. now when should i do this, judgement would be the 19th so 5 days, but cheque can take up to 14??? when do i call te court??
kate

adwozere

adwozere wrote: »

GOOD NEWS

Capital One just sent me a letter and they are paying up, the Full amount with interest and costs,

I have two claims with them after they changed there mind not to pay me the 'settlement payment'.
So this was the 1st claim of £773.96 :T :rotfl: :beer: :j
It was started with MCOL on 4th May
deemed Served 9th May
they then acknowledged about a week later
they then put in a defence
then today 30th May I got a letter saying they have paid off the balance of my account , and are sending me a cheque for the rest, the letter was dated 25th May.

I'm well pleased

The 2nd claim is for £328 + costs and is 10 days behind ,so roll on 10 days time.


.....................................................................................................

Simply Be - paid up full amount including intrest and costs after 3 weeks with MCOL............£312

Adams kids store card paid up in full with intrest BEFORE court action started........... £601

More Good news They I have just got a letter saying they are going to pay my 2nd claim of £328 + costs:T :beer: :j