Sub Prime Credit Card Club

fairmorn308

here is the story so far.....

I had a cap 1 card years ago with credit limit of £200 i missed payments and i defaulted with them at £488. In 2007 i started making a claim to get the charges of the account back. in this time they sold the debt to lowell and cap 1 said they will repay the charges of £779 but will be making a payment to lowell of £488 and sending the remaining amount to myself. Well i declined as cap1 dont have the right to make payments to 3rd party companies and i was going for full amount to be paid to myself.

Lowell removed the default off my account on my experian file and cap 1 started to dig there heals in. Now cap 1 have put the default back on my account dated for 2003 so it is due off this year. I know now i should of just accepted there offer and walked on and now am out of pocket due to court fee's etc.

I am going to write to cap 1 asking for the difference and see if they will remove default cause it was english courts the case was in but i can file the case in scottish courts now if they dont accept the above.

Alot of people i spoke to saying it was 75% in my favour and am shocked that i lost.

cifpower

darcyvuqua wrote: »

woop woop i will have a pair of reebok classics please

Oh how common! Get a pair of Vans instead

Sammy_Girl

Blimey!

Yeah...hindsight's a great thing! I think if we all knew then what we know now, then we would have jumped at the chance of them paying Lowell the £400 odd and giving us the remainder....but we live and learn.

So what are the court costs? Are they high? Do you have to pay a one off fee?

Do you live in Scotland Fairmorn? Is it possible to transfer to a Scottish court? Would it make much difference to the outcome.

Sorry for so many questions - I'm interested

claire6hy

cifpower wrote: »

Oh how common! Get a pair of Vans instead

call me a chav but i dooo like nike air max,and adidas superstars and stan smiths

cifpower

claire6hy wrote: »

call me a chav but i dooo like nike air max,and adidas superstars and stan smiths

I had a pair of Stan Smith's and they were very nice. I also have a pair of Vans - the most comfortable shoe out there and I wear them every day

darcyvuqua

can anyone remember reebok pumps i was so chuffed when santa bought them for me when i was a kid lol

cifpower

darcyvuqua wrote: »

can anyone remember reebok pumps i was so chuffed when santa bought them for me when i was a kid lol

Are they the ones you have to press a button to pump up or something and if you pump too much they burst?

fairmorn308

Sammy_Girl wrote: »

Blimey!

Yeah...hindsight's a great thing! I think if we all knew then what we know now, then we would have jumped at the chance of them paying Lowell the £400 odd and giving us the remainder....but we live and learn.

So what are the court costs? Are they high? Do you have to pay a one off fee?

Do you live in Scotland Fairmorn? Is it possible to transfer to a Scottish court? Would it make much difference to the outcome.

Sorry for so many questions - I'm interested

yes i live in scotland. i wouldnt get it transfered to scottish courts i would start a brand new claim.

Court costs ended up nearly £200.

Going to have to wait and see to a friend who is very clued up on these things to see what he recommends to do from now on.

random_fat_bird

Vans all the way guys, or Converse. The ideal of course is a pair of New Rocks, but that's just my preferences;)


Oh, and Happy New Year. I've been gone a while, but I may well be back:D

Sammy_Girl

Well Guys, it looks like I'm not leaving the sub prime world after all. I'm not going to remortgage with Abbey, am gonna stick with SPML/Capstone (:eek: ) and take advantage of the tracker that I'll end up on when my fixed rate ends on 31 Mar. If the Base rate stays as it is now, I'll be paying £250 less than what I pay now :j And that will go straight in my overpaying pot so that when house prices eventually rise again I can get a half decent deal.

So...........because I don't have to worry too mcuh about searches on my file I fancy applying for something!!!!!!! What do you guys suggest. I want something juicy and really worth my while lol. It's been so long I feel like a credit virgin again lol