Capital One

LEE69_2

Just phone them up,they send them free of charge.
Yes the £12 you can claim back,unless they want to show you/the world,in court,just how much it does actually cost them.

KT-K

Hi
Thanks for that. I will also ring them to get the ball rolling a bit quicker. Currently claiming against Barclays, gone through MCOL and now being referred to my local court, so although stressfull, I might aswell deal with the stress at once, and get it over with!!

frugalpam

KT-K wrote: »

Hi
Thanks for that. I will also ring them to get the ball rolling a bit quicker. Currently claiming against Barclays, gone through MCOL and now being referred to my local court, so although stressfull, I might aswell deal with the stress at once, and get it over with!!

You'll find Cap One the easiest of the lot to claim from - know what you mean about the stress though - had 3 months of it due to Nastywest :mad:

Pam

KT-K

Thats nice to know about Cap One.
I know what a nightmare. Barclays has been going on since Feb 07, but thanks to everyone here, there is hope and it does seem worth it. Now going to try with GE Money... GO GO GO...

frugalpam

KT-K wrote: »

Thats nice to know about Cap One.
I know what a nightmare. Barclays has been going on since Feb 07, but thanks to everyone here, there is hope and it does seem worth it. Now going to try with GE Money... GO GO GO...

You've just reminded me that GE Money are next on my list - when I managed to escape their mortgage and get with a high street lender, they clobbered me for excessive exit fees which I need to reclaim !!

good luck with Cap One and Barclays!

Pam

KT-K

You too...
Thanks Pam
KT-K

LozBingley

frugalpam wrote: »

Be very careful NOT to use the word 'illegal'..... you need to be saying 'unlawful' - there is a difference

I personally wrote shorter rejection letters (ie to their low offers), and didn't go into this amount of detail.

Pam

Yes it is long winded but the point is I'm looking for at least 75% and not the 25% offered and I know full well that I'm going to have to put a legal argument forward before they pay out anywhere near what I'm asking for. It can't help to show that you understand the reason behind your claim and that they can't just keep fobbing us off

frugalpam

LozBingley wrote: »

Yes it is long winded but the point is I'm looking for at least 75% and not the 25% offered and I know full well that I'm going to have to put a legal argument forward before they pay out anywhere near what I'm asking for. It can't help to show that you understand the reason behind your claim and that they can't just keep fobbing us off

Up to you They only try to cover their backs by sending out their long winded letters full of mumbo jumbo - I took no notice of it, and kept my replies short and to the point with the relevant information enclosed. They churn their letters out at the push of a button, and I doubt they even read our replies.

If and when it gets to court is the time to debate points of law - but you need to be very clear on what you're saying.

good luck,

Pam

wbirkett1508

Hi just found out they have filed a defence with mcol - will they actually go to court - feeling a bit nervous now - any advice anyone?

LEE69_2

Thats normal,then on the 21st day you get a cheque through the post.
How many days you at now?
Our 21st is this Monday.