Got back from a week away and finally my card has been cleared and a cheque sent for the balance.. Just filed my other capital one claim at the court - should hopefully be straight forward and only a small limit so cash back to boot. Will donate when cheque clears now !! Thanks for all of your help and support

Just when I think I am getting better at all this.. I can find every form apart from the CCA request. Would someone be so kind to point me in the direction ?? Cheers

Spot on - think I just put unfair charges. Court asked no questions at all and I got a confirmation and summary within a few days

I included as below which I pretty much copied from some helpful chap's link from this website. I also had to attach a front sheet (maybe N1??) which I now cannot locate but was pretty much summary of below. Cap 1 seem to always fold at this stage.. All the best 1.The Claimant entered into an agreement (“The Agreement”) with the Defendant on or around 1/9/2003 whereby the Defendant was to advance credit facilities to the Claimant under a running credit account, Account no 1234 1234 1234 1234(“The Account”). 2. “The Agreement” essentially consisted of the Defendant providing the Claimant with a credit card (“The Card”) which would allow the Claimant to make purchases and receive cash advances on credit. In return the Defendant was entitled to charge interest at the published rate. 3. The Agreement was a Regulated Agreement for the purposes of the Consumer Credit Act 1974. 4. At all material times the contract was subject to the Defendant’s standard terms and conditions which could be varied from time to time. Summary 5. Throughout the course of the Agreement, the Defendant has added numerous default charges to the Account for the Claimant’s failure to make the minimum payment on the due date and or for exceeding the credit limit and or if a payment is returned. (Full particulars are set out in schedule 2). 6. The default charges were applied in accordance with the standard terms of The Agreement which were: a). A penalty payable on breach of contract and thus unenforceable: and or b) An unfair term under the Unfair Terms in Consumer Contracts Regulations 1999 (“The Regulations”) and therefore not binding on the Claimant. 7. The Claimant is accordingly entitled to repayment of the sums wrongly added to the Account. The Charges 8. The standard Terms of the Agreement in substance provided as follows: (a) The Defendant would provide the Claimant with the Card. The Claimant was entitled to use the Card to make purchases and receive cash advances up to a credit limit (“the Limit”) set by the Defendant. The Defendant could unilaterally change the Limit by giving the Claimant notice in writing. (b) The Defendant was entitled to charge interest on the purchases and cash advances at the published rate. © The Claimant was to pay the minimum payment of 3% of the amount owed or £5 (whichever was the greatest) by the due date as notified in the monthly statements. (d) In addition the Defendant was entitled to charge default fees (“the Charges”) where the Claimant exceeded the Limit, did not pay on the due date, had a credit cheque returned or had a payment returned. The Charges are currently £12. Prior to 2006 the Charges were £20. Penalty 9. The Charges were payable on breach of contract by the Claimant. 10. The amount of the Charges exceeded any genuine pre-estimate of the damage which would have been suffered by the Bank in relation to the Claimant’s transgressions. 11. In the premises the Charges were punitive and a penalty and thus unenforceable at common law. The Regulations 12. At all material times the Claimant was a consumer within the Regulations. 13. At all material times the terms of the Agreement providing for the Charges were unfair within regulation 5 of the Regulations in that contrary to the requirement of good faith they caused a significant imbalance in the parties' rights and obligations to the detriment of the Claimant. 14. Without prejudice to the burden of proof, the Claimant will refer to the following matters in support of the contention that the terms are to be assessed as unfair as at the time of the conclusion of the Agreement, and of each revision to the Standard Terms. (1)The terms relating to Charges were standard terms; they would not be individually negotiated. (2)The Charges were a penalty for breach of contract. (3)The Charges exceeded the costs which the Bank could have expected to incur in dealing with the exceeding of the credit limit, late payment or returned payment. (4) Accordingly the Charges were a disproportionate charge incurred by the Claimant for their failure to meet their contractual obligation and thus within the ambit of Schedule 2 (1) (e) of the Regulations and indicative of an unfair term. (5) As the Defendant knew, the Charges were of subsidiary importance to the customer in the context of the Agreement as a whole and would not influence the making of the Agreement. (6) As the Defendant knew, the Claimant had no means of assessing the fairness of the Charges. (7) In the premises, the effect of the Charges would be prejudicial to the customer who incurred them, and cause an imbalance in the relations of the parties to the Agreement by subordinating the customer’s interests to those of the Defendant in a way which was inequitable. 15. Without prejudice to the burden of proof, the Claimant will contend that the terms imposing the Charges are not core terms under regulation 6 of the Regulations and relies on the following matters. (1) The assessment of fairness does not relate to terms which define the main or core subject matter of the Agreement. (2) The assessment of fairness does not relate to the adequacy of the price or remuneration as against the goods or services supplied in exchange (in other words, whether or not the relevant services were value for money). (3) The Charges are correctly described as default charges by the Defendant in the published tariff of charges. 16. By reason of the said matters the terms were not binding under regulation 8 of the Regulations. 17. The Defendant wrongly applied Charges to the Account totalling some £592 between 14/10/2003 and 29/1/2008. Particulars appear from Schedule 2. 18. On 22nd July 2008 the Claimant demanded repayment of the sums wrongly applied. 19. The Defendant has not repaid them or any of them. And the Claimant claims: (1) A declaration that the sums totalling £592 have wrongly been applied to the Account (2) Payment of the said sum of £592 and interest of £119.78 applied by the Defendant thereon. (3) Interest under section 69 of the County Courts Act 1984 at the rate of 8% per annum from the date of payment of the Charge to date in the sum of £711.78 (4) Court costs of £65. I believe that the facts stated in these particulars, comprising of 5 pages, are true. Signed Dated Schedule 1 From Terms and Conditions as at Oct 2007 4. Credit limit. We will determine the credit limit from time to time under this agreement and tell it to you in writing. Your credit limit and the amount of credit you have left are shown in your monthly statement. You and any extra cardholder can use the card, account or credit card cheques to make purchases or cash withdrawals and you, but not the extra cardholder, to make balance transfers which, added together and inclusive of interest and all other fees, charges and expenses, do not exceed your credit limit. If you go over your credit limit, you (and any extra cardholder) must not use the card or credit card cheques and you must immediately pay us enough to bring the outstanding balance within the credit limit. 8. Monthly payment. You must pay the outstanding balance by paying to us at least the monthly payment by the date stated in the monthly statement. The method of calculating the monthly payment is stated in the “Monthly Payments” section of “Key Financial Information”. Prompt payment is essential. In addition, you must immediately pay any amount borrowed under this agreement in excess of your credit limit or which is overdue and the amount of any transaction made in breach of this agreement. 12. Other Charges and Default Charges. You must pay to us the ‘Other Charges’ and ‘Default Charges’ referred to in the ‘Key Information’ (as varied from time to time) and in our tariff of charges from time to time in force, as notified to you in writing from time to time. A cash withdrawal handling fee which is a percentage of the transaction (with a minimum amount) is payable on cash withdrawals. The current amount is shown in ‘Current Amounts of Other Charges and Other Features’. All charges may be varied as set out in section 18. We may require you to pay our reasonable charges for the following: (a) Late or failure to pay charge: a charge if we do not receive your minimum payment by the due date shown on your monthly statement (b) Returned payment charge: a charge if a cheque, credit card cheque, Direct Debit instruction or other method of payment is not honoured. © Overlimit charge: a charge for each statement period during which the outstanding balance is over your credit limit by £1 or more. (e) Returned credit card cheque charge: a charge for any credit card cheque we return unpaid for any valid reason. (f) Administration charges: we may charge you for dealing with any special requests you make, including if you ask us: ● for information under the Data Protection Act 1998 where we are entitled to charge; ● to make a payment to your account through any express payment service; or ● to stop processing a credit card cheque. You must pay to us all reasonable court costs to which we may be entitled against you, reasonable collection expenses we incur in collecting any amount you owe us under this agreement, reasonable costs incurred by us in trying to retrieve the cards and credit card cheques, and placing your account on a restricted list. Charges will be debited to the account when they are incurred and will form part of the outstanding balance.

Thanks BosBoy. Pretty sure I have already paid back 3 times more than I borrowed so still on the side of morality..

Pretty sure it does not matter as they received your late payments and overlimit feesbut don't take this as definative.

Hi all, Could not find a Sainsbury page so have included as HBOS seem to be managing the financial side of it. Fresh from my Capital One victories (awaiting payment but they have agreed to pay) and my expected RBOS victory I am now aiming at Sainsbury's. Given that I was pretty well behaved on this account and did not get charged I am going to CCA request them and see if I have any joy there - I still have a big balance. Anyone got any ideas about where to send the CCA request to ?? And any good CCA news as it seems a bit harder to find many successes on the forums ??

Spot on advice.. Just ensure you search through the website for your local county court to send to. They are actually very efficient

Any updates here ?? I am following with interest as not far away from being in a similar position.. Good luck

Hi Kibby, I was in the same boat as you with Cap one - my thread can be found easily (BigAs Vs Cap 1) I got some great advice on here and after submitting the court forms you are only about 4 weeks away from getting your money. Be aware they will minus from your balance and send you a cheque for any over your current balance. You have to file at your local court and there are so many helpful links and sub-folders to get this done. They send you a letter saying no liability, only a goodwill payment etc. etc. You get all the additional costs back (so claim for court cost) & I got the 8% also. It was my first one I had gone for and I am no going after all of my other cards. Good luck !

Morning.. I claimed 8% as that was how I started the initial letters after some advice here. Although they have sent me the letter I am yet to receive the refund. Called them today and after the usual light entertainment dealing with their call centres they told me although they had agreed and updated the system accordingly they had not actioned the request yet. The chap on the phone said dont give him a hard time as was not his fault. Not really sure what to do now as the court date deadline is Wednesday and although they have admitted responsibility I am not going to do anything with the court paperwork until payment received. Guessing this will all happen on Wednesday.. Good luck with your claims

Thanks so much for being part of this journey. Grateful for all of your help and received a letter yesterday stating I was to refunded in full. Although all goodwill they were a bit sneaky and paid most of the monies to my card to clear balance whilst I am awaiting a cheque for the remainder. They have asked me to let the court now however will not be doing anything until I see my balance clear and a cheque in hand. As soon as banked will be gratefully making my donation reflecting my gratitude. Now i have two more court claims to file as awaiting the completion of this process first, combined with big PPI Lloyds claims and Lloyds Credit card & some HBOS credit cards. Thanks again !

Hi, So presuming that is 1 thinking it is ok to do this is.. If I am in the wrong fine, will pay, although 80% of the policy does seem steep.. Any more views ??

Thanks Scott - spot on about the sleep !!! I have received all of the court paperwork through now with lots of detail and deadlines.. Hoping to hear something soon !!

Morning, Two months ago I bought a van and used a global price comparison site which led me to Budget Insurance. After paying 2 months in advance and the price changing considerably as I had slightly different no claims I decided to sell the van. I imformed them I would be cancelling the direct debit as I would be selling - they did have the 2 months payment already. They have written to me today and said I owe a £270 cancellation fee - the years insurance was only £360. I did not sign any credit agreement or cancellation terms (I think !!) Any advice will be gratefully received - surely this is not fair ???

Hi all, Been getting some great advice from the peeps in the RBS threads. Submitting my claim to court first thing tomorrow morning. Worked hard to ensure cheque and court correct, 2 sets of schedules (1 for court and 1 for defendant) & all of my paperwork and letters that have been sent. This is now unchartered waters and I am hoping I can close this one down and then buoyed on by my success (?) attack the others with vigour.. Will keep you updated - hopefully some good news ???

Thanks so much for such a quick response. Found Romford is my local office so printing up everything now and will send all info and cheque to their address from link. I have this RBS credit card claim and two for Cap one (have seperate thread) Presume I should send them all seperately ? Thanks again

Thanks for your help, sorry to be thick just want to get this absolutely right as have followed the process so far. Do I just send to a Magistrates Court local to me ? If not what type of court does it need to be sent to ? Sorry for really basic questions..

Thanks Scott/All Have been reading articles on the site all morning so far (I always somehow get distracted by the success stories !!) I have a copy of the Capital One POC and it all seems straightforward. My 2 questions are... * Can I now claim the 21.9% APR I had on average for the card or do I have stick with the 8% standard ? On this note do I charge interest up to todays date, or the date I submitted the initial claim ? * Struggling to locate exact details for court. Do I submit to my local court naturally & where do I find definative details on costs ?? Thanks for any help - hoping to get this filed this week and see what happens..

Couple of days beind schedule as the birth of our little one on Wednesday. However I have three cards that are past the LBA stage now and will be submitting to court tomorrow (2 Cap Ones and 1 RBS) Not too sure on the process so may need some support tomorrow but will read up on process first.. Hopefully can resolve this quickly and efficiently now !!

After more cheques sent to me and cancelled they have finally, officially told me to bugger off. Which is handy really as my LBA runs out today. I will be putting some time aside tomorrow to complete the necessary court forms and am almost g'teed to need some support so will be posting more tomorrow. Looking forward to a practical day tomorrow to try and put this whole matter to bed - and get refund of all my charges. Wish me luck !

Hi there, Although still very new to all this I have had some advice on my thread re this matter. The advice I received was that there are two schools of thought on the interest situation you are debating. It was suggested to me to use the agreed 8% on your initial correspondance and when you have to file at court you use the % you were charged (may be called compunded !!) I am early in my process vs Cap 1 credit cards and they seem to offer the difference between the £12 and your charges first. Sorry I could not be more of an authority but trying to share what I have been advised..

Thanks so much - just cannot believe the whole signature thing !! Will send a cheque out of partners account and I absolutely would have signed the letter. Thanks again Will keep you all updated..

Thanks for your advice foolishgirl. I am going to send them seperate to ensure I get the information (??) Well worth the extra £1 - will type over weekend and send on Monday. Sure to be some template letters around on this great site !! Thanks again

Thanks Adamski & AA. AA - What an unbelievable chain of events and thread !! You deserve to win - and still finding the time to help us newbies along the way - outstanding. I now realise after reading AA's thread why I am struggling with the PPI framework and it is because there is no governing framework. The credit card process is almost rigid and pre- oft so was the bank charges. The PPI really is unique and every thread I read is dealt with differently by the banks. I am not sure if I am organised enough to deal with this but really am going to give it a go. I may have jumped at your settlement AA, but good for you fighting it all the way. So here goes... SAR sent to LLoyds, hacked about a bit to ensure they give me as much detail as they have on the many loans I have had with them in the past. I will keep you all updated and would love your ongoing support as this really does look like a battle !!