Lowell Solicitors vs Capital One old CC debt

[*worried*]

Re: Lowell Solicitors vs Capital One old CC debt

Hi

So you have two things going on
1) the claim ( which is the most important IMO)
2) Reclaiming charges

How is the claim going, I assume you acknowledged the claim and sent off your CCA request and CPR31.14 request
Have you had anything back

Also when you look through the details of the SAR you it should show records of when the default notice was issued or when the account was sold.

Also did you receive everything you asked for or did the letter from Capital One claim to know what you wanted and said there may be more?

I know SARS are not the easiest thing to read but worth looking at

I paid the claim a couple of days after I received it as I did not want to risk getting a CCJ.
I sent off the CCA and CPR request and received responses from both Lowells and Capital One.
Confirmation from Lowells saying they bought the debt,a s well as a letter confirming they had received payment and no further court action would proceed.

I received a 3 inch pack of paperwork from Capital with EVERYTHING including the default letter that was sent at the time.
Lowells said they cannot send me a copy of the "Deed of Assignment" as it is a confidential agreement between them and their client.

[warwick65]

Re: Lowell Solicitors vs Capital One old CC debt

OK

Well in that case get claiming the charges back.

[*worried*]

Re: Lowell Solicitors vs Capital One old CC debt

Thank you

Is my draft letter above ok?

[*worried*]

Re: Lowell Solicitors vs Capital One old CC debt

Also wanted to add that there was PPI on the account. I had cancelled it after about two years though and they sent me a copy of the form I had completed and posted to them. I had ticked the box.It was not an online forms. They also sent me a copy of the message I sent to them asking them to cancel the PPI.

[warwick65]

Re: Lowell Solicitors vs Capital One old CC debt

I am afraid i know very little about reclaiming charges and PPI
[MENTION=6]Amethyst[/MENTION] might know who is the expert

[nemesis45]

Re: Lowell Solicitors vs Capital One old CC debt

Also wanted to add that there was PPI on the account. I had cancelled it after about two years though and they sent me a copy of the form I had completed and posted to them. I had ticked the box.It was not an online forms. They also sent me a copy of the message I sent to them asking them to cancel the PPI.

You can do by just writing to the creditor with the details of the account and why you consider the PPI was missold e.g. you were told you had to have it to get the credit or you were otherwise covered.

nem

[*worried*]

Re: Lowell Solicitors vs Capital One old CC debt

Hi everyone. So, I have gone through the process of making attempts to reclaim the credit card charges and Capital One have come back to say they will not be refunding anything.

I am now ready to start the proceedings through the small claims court.

Can someone point me to the most recent particulars of claim for reclaiming credit card charges please?

Thank you.

[MIKE770]

Re: Lowell Solicitors vs Capital One old CC debt

Their response these days and the FOS agree with them stating lies of actual events.

[*worried*]

Re: Lowell Solicitors vs Capital One old CC debt

Their response these days and the FOS agree with them stating lies of actual events.

So what does this mean? I should not pursue a claim?

[MIKE770]

Re: Lowell Solicitors vs Capital One old CC debt

no means I have been there in the last week or so thru Cap one and the FOS, = as far as a court claim that is another area of choice -yours, but comment states responses from the other two out-lets seem to be they are in colusion.


sure as far as clourt claims somebody should be able to advise that method with up to date information?

[*worried*]

Re: Lowell Solicitors vs Capital One old CC debt

Ok.
I have never been to the FOS for any claims as I have always thought they would take the other side.
I have searched the forum and can't see where anyone has made court claims for Credit Card charges in the last couple of years.
Would be nice to see what other recent experiences have been like.

I have particulars from years back, but I don't know if they still apply or if there have been changes in the last few years.