*worried* v Cap 1

[*worried*]

I have accumulated charges of £84.00 for going over my limit due to interest charges applied by Cap one. These are £12.00 charges.

I have sent the prelim, and they replied back to say that as they had previously refunded my charges back in 2006, they will not be making anymore refunds and I should take it to the FOS.

What do i do now?

Send LBA?

Contact FOS?

[TUTTSI]

Re: *worried* v Cap 1

Hi Worried

I would send the LBA and follow your plan not theirs and if after 14 days they do not pay you then issue a claim against them and then they should pay up.

I have accumulated charges of £84.00 for going over my limit due to interest charges applied by Cap one. These are £12.00 charges.

I have sent the prelim, and they replied back to say that as they had previously refunded my charges back in 2006, they will not be making anymore refunds and I should take it to the FOS.

What do i do now?

Send LBA?

Contact FOS?

[*worried*]

Re: *worried* v Cap 1

Hi Worried

I would send the LBA and follow your plan not theirs and if after 14 days they do not pay you then issue a claim against them and then they should pay up.

Should I wait the full 14 days since I sent my original letter? They have responded to me within a week.

Thanks

[TUTTSI]

Re: *worried* v Cap 1

As they have already responded and you have a reference number, I would write now, no time like the present TBVH, the quicker you write and get the ball rolling the quicker they will pay.

Should I wait the full 14 days since I sent my original letter? They have responded to me within a week.

Thanks

[*worried*]

Re: *worried* v Cap 1

Thank You

[*worried*]

Re: *worried* v Cap 1

I am now rready to file my claim against Capital one.

Am I better off using MCOL or going directly to the court to file?

[WendyB]

Re: *worried* v Cap 1

Best to do it by taking N1 to court, if you use MCOL there's not enough space for the POC, plus it stands a chance of getting stayed automatically with MCOL.

[*worried*]

Re: *worried* v Cap 1

Thank you.

There is not enough space on the N1 From.
What is everyone doing with regards to this?

[WendyB]

Re: *worried* v Cap 1

if it won't fit on the N1 form, write see attached and type it onto a separate sheet and staple it together. Don't forget you need 3 copies of the N1 and everything to file at court. One for them, one for the court and one for you.

[*worried*]

Re: *worried* v Cap 1

Thank you

[Amethyst]

Re: *worried* v Cap 1

If you';d like us to check your POC before entering it just paste it up here minus your account numbers and we'll make sure alls in order

[*worried*]

Re: *worried* v Cap 1

deleted

[*worried*]

Re: *worried* v Cap 1

POC Removed .
Posted them because I was told to - yet no one bothered to look.

[natweststaffmember]

Re: *worried* v Cap 1

Where did the POC go, worried?

Apologies but if there are no replies hit the report post and it will alert team. In the meantime, can I see it and will see what we can do.

[TUTTSI]

Re: *worried* v Cap 1

Hi Worried

I am so sorry that no one came back to you. I am sending a PM to one of the site helpers/ administrators to try and rectify this for you.

Tuttsi