Innocent vs Capital One ***WON***

[innocent]

Decided to use registered address on MCOL:

 

350 Euston Road

London

NW1 3JJ

 

It was accepted.........

 

 

One claim for 2 accounts (mastercard and visa)

 

CLAIM NUMBER 6QZ82283

 

£1725.70 + £245.78 (8%) + costs + 38p daily

 

 

 

MODS PLEASE ADD TO LITIGATION SECTION

 

"Thankyou" ;-)

[innocent]

CLAIM NUMBER: 6QZ82283

ISSUED: 9/11/2006

DEFENDANT: Capital One

COURT: MCOL

CHARGES: £1725.70

INTEREST: £245.78 + 38p daily

COSTS: £120.00

TOTAL: £2091.48

[innocent]

Case Acknowledged 17/11

[Lager_Lou]

Hey Innocent - check out my thread - have won!

[innocent]

Just checked MCOL

 

You are unable to take any further action online on this claim.

 

The Defendant disputes the whole amount you have claimed. Your claim cannot proceed online and will be transferred to the appropriate court for continuation. You will receive confirmation to where the claim has been transferred to shortly.

 

Haven't received anything yet thru the post????

 

Innocent :-|

[ukaviator]

You should do shortly. They may have filed a defence. See what comes through the post. This is what happens sometimes. Keep us posted.

 

Uk..

[gazzah]

If your experience is the same as mine expect a letter from them this week stating they have credited your full claim back to your card, if that then leaves a credit balance they will forward a chq within 14 days. Mine came this morning along with their defence from court which stated that they disputed the full amount of the claim but paid it anyway, without admitting any liability obviously !!

[TUTTSI]

Hi Innocent

Loks like you are in your advance stages of getting your money returned to you. I am about 3 weeks behind you, as MCOL was issued 4th Decenber 2006 and I have just heard that that they plan to defend,

Keep us all posted!

regards

DS

[Lager_Lou]

Hey Innocent - just seen your news via your NW thread - congratulations! Here's hoping the rest all pay up as quickly!

[innocent]

Letter received today dated 5th Dec from 'Graham Daley, Executive Office':

 

Write in connection with claim....

 

Denied that these fees are unlawful... terms and conditions...

 

"Whilst we do not accept liability for the claim, I have in an effort to resolve this matter without the need for court hearing, refunded £x to your mastercard account and £x to your visa account. This refund has cleared your balances and left your accounts £16.90 in credit. I have arranged to send you a cheque for this amount today and it should arrive within 14 working days."

 

"These refunds are made purely as a gesture of goodwill and we will now defend this claim on the basis that we have refunded the correct amount."

 

We may still add fees...

 

Hope happy with resolution.....

 

Yours sincerely

 

I WONNNNNNNNNNN!!!!!

 

2 CREDIT CARD BALANCES CLEARED AND A XMAS PRESENT OF £16.90

 

(with exception of 38p daily over 4 weeks.... big deal lol)

 

(Its my first battle to win and I am so happy)

 

(Capital 1 is so easy )

 

Thankyou for all ur help and support here........ really appreciative to know so many others going through same process... and to know their next move before they do

 

I will donate at relevant time....as soon as i know funds cleared.... which leads me to ask...

 

*When do I cancel MCOL? When I receive my next statements and the small cheque?

*Should it be sooner, as there is a danger they stilll want to defend the case, as written?

THANKYOU THANKYOU THANKYOU

 

Innocent

[livelylad]

CONGRATULATIONS

Please fill in the survey for us

DONT FORGET TO DONATE

[Lager_Lou]

I'm not stopping legal proceedings until I have the money cleared in my account - suggest you do the same

 

Congrats!

[innocent]

Thanks LOU and everyone else.......

 

Portsmouth 1 (at last) Southampton 1 eh?

 

 

Now lets hope our natwest claims come next lou (one step closer to debt free)

 

 

CHEERSSSSSSS

 

Innocent

[ukaviator]

Well done Innocent

 

Just make sure the money is in your account first before you stop the action. Just a precaution. Great win.

 

Ukaviator

[TUTTSI]

Letter received today dated 5th Dec from 'Graham Daley, Executive Office':

 

Write in connection with claim....

 

Denied that these fees are unlawful... terms and conditions...

 

"Whilst we do not accept liability for the claim, I have in an effort to resolve this matter without the need for court hearing, refunded £x to your mastercard account and £x to your visa account. This refund has cleared your balances and left your accounts £16.90 in credit. I have arranged to send you a cheque for this amount today and it should arrive within 14 working days."

 

"These refunds are made purely as a gesture of goodwill and we will now defend this claim on the basis that we have refunded the correct amount."

 

We may still add fees...

 

Hope happy with resolution.....

 

Yours sincerely

I WONNNNNNNNNNN!!!!!

 

2 CREDIT CARD BALANCES CLEARED AND A XMAS PRESENT OF £16.90

 

(with exception of 38p daily over 4 weeks.... big deal lol)

 

(Its my first battle to win and I am so happy)

 

(Capital 1 is so easy )

 

Thankyou for all ur help and support here........ really appreciative to know so many others going through same process... and to know their next move before they do

 

I will donate at relevant time....as soon as i know funds cleared.... which leads me to ask...

 

*When do I cancel MCOL? When I receive my next statements and the small cheque?

 

*Should it be sooner, as there is a danger they stilll want to defend the case, as written?

 

THANKYOU THANKYOU THANKYOU

 

 

 

Innocent

 

 

WELL DONE! did they also cough up for the contractual interest! as I am just a couple of weeks behind you.am

DS

[ukaviator]

They did on mine DS. .

 

Uk. .

[technique1966]

WELL DONE! did they also cough up for the contractual interest! as I am just a couple of weeks behind you.am

DS

 

Mine too, though still waiting for a cheque after their offer to settle on 15/11, so thought I'd do the G/Fs the same:D Plus I'm seriously thinking of adding some other costs in time/effort and postal costs etc after the way they've messed me about.

[TUTTSI]

They did on mine DS. .

 

Uk. .

 

 

Thanks and Well Done

[TUTTSI]

Mine too, though still waiting for a cheque after their offer to settle on 15/11, so thought I'd do the G/Fs the same:D Plus I'm seriously thinking of adding some other costs in time/effort and postal costs etc after the way they've messed me about.

 

Is it not too late to add any further costs?

DS

[technique1966]

Is it not too late to add any further costs?

DS

 

Think it probably is with my claim now I'm on my third letter promising me a cheque,hope they sort it soon or I'll be returning my form to the court asking to continue the claim, they've got less than 5 days. Learnt my lesson and will add some costs in on the next one.

[TUTTSI]

Think it probably is with my claim now I'm on my third letter promising me a cheque,hope they sort it soon or I'll be returning my form to the court asking to continue the claim, they've got less than 5 days. Learnt my lesson and will add some costs in on the next one.

 

The cheque will probably arrive tomorrow- or it's late because of the XMAS post.

[MARTIN3030]

Nice work well done.

 

Please take a moment to fill in the survey (top of page)

[innocent]

Hi all,

 

Received the N236 Notice of Defence that amount Claimed has been paid form today

 

Still going to wait to I have evidence all paid...ie. waiting for chq and next statements...

 

In my claim I only asked for the charges, relevant interest, and 8%...

 

They paid all, but not the 38p daily... (I think I can live with this)

 

From start to finish MCOL to their letter was 26 days!!!!

 

(but it took me a week to receive their letter)

 

 

 

Still, 2.1k, one of the biggest claims against crap1 i think, and 2 credit cards now "chopped up" and clear.... and 2 less bills a month...

 

Survey complated, donation on way very soon.......

 

Cheers

 

Innocent

[TUTTSI]

Hi all,

 

Received the N236 Notice of Defence that amount Claimed has been paid form today

 

Still going to wait to I have evidence all paid...ie. waiting for chq and next statements...

 

In my claim I only asked for the charges, relevant interest, and 8%...

 

They paid all, but not the 38p daily... (I think I can live with this)

 

From start to finish MCOL to their letter was 26 days!!!!

 

(but it took me a week to receive their letter)

 

 

 

Still, 2.1k, one of the biggest claims against crap1 i think, and 2 credit cards now "chopped up" and clear.... and 2 less bills a month...

 

Survey complated, donation on way very soon.......

 

Cheers

 

Innocent

 

WELL DONE and another one bite the dust.

DS