glav versus capital one ***WON***

[ukaviator]

Yep... next stage now. . keep to your timetable, your in charge . .

[glav]

Hi folks,

 

Getting forms ready to file court action, how do I work out daily interest rate on an APR of 31.37%?

 

glav:)

[glav]

bump

[glav]

bump!! Can anyone help me work out daily rate on APR of 31.37%?

 

Thanks

glav:)

[Paintball]

Glav

 

Look at your spreadsheet of charges, change the date at the top (overtype it) and note the difference in pence per charge. This is your daily rate. You include this in your POC. Are you OK with the rest of details in your POC?

[glav]

Thanks paintball,

 

I am okay with details of POC, have got advice from Lyns and noomill.

 

glav:)

[Paintball]

Good to hear you're sorted and thanks for the comment ... :o

[Paintball]

Hehe, smileys are acting up today ... the "eek" one is not what I clicked

[TANZARELLI]

worked ok for me. lol

[Paintball]

Morning everyone ...

[glav]

Hi all,

 

Lodged my court claim today and I am sooooo nervous!!!!

 

Thanks particularly to noomill, tanz and paintball for their help and advice.

 

glav:)

[glav]

Hi all,

 

Just trying to get my head around timescales with court claim. Lodged claim with my local county court last Friday 4th May. Received paperwork back yesterday with a form to sign to confirm that I am not claiming in any other jurisdiction. All paperwork returned to Civil Processing Centre today recorded delivery.

 

I don't know how long it will take to serve claim from Northern Ireland. My understanding is that once claim is served on Cap 1, they have 14 days to acknowledge, and if they acknowledge, they then have 28 days to enter a defence. Have I got this right?

 

Thanks

glav:)

[doo]

Not sure about Northern Ireland but if it is the same as in England, it's 14 days but if they file an acknowledge of service it gives them another 14 days - so it's 28 days in total after the claim is deemed served. Hope this helps.

[glav]

Thanks Doo, that's better than i thought then, 28 days in total rather than 14+28.

 

glav:)

[glav]

Hi all,

 

Have been reading other threads and am now a little worried. I used the Nottingham address on my small claims application, will it be sent back to me?

 

glav:confused:

[TANZARELLI]

Hi all,

 

Have been reading other threads and am now a little worried. I used the Nottingham address on my small claims application, will it be sent back to me?

 

glav:confused:

 

No it will still get there. Nothing to worry about.

[glav]

Thanks Tanz, that's reassuring!

 

glav:)

[doo]

glav, don't worry, I used the London address but when you get the defence notice the address is actually Legal Department, Loxley House, Station Street, Nottingham, NG2 3HX. Hope this puts your mind at rest.

[TANZARELLI]

Thanks glav for the click

[glav]

No probs, Tanz, reassured now so can't wait to hear from court. As I am in Northern Ireland I understand it might take a bit longer, don't know how long though. Will just have to be patient! Not one of my strong points I'm afraid!!

 

glav:)

[doo]

Thanks for the click glav

[Paintball]

No probs, Tanz, reassured now so can't wait to hear from court. As I am in Northern Ireland I understand it might take a bit longer, don't know how long though. Will just have to be patient! Not one of my strong points I'm afraid!!

 

glav:)

 

Hi Glav

Impatience is my absolute worst fault!! You will get your money though. Cap One will say they intend to defend all of claim (Wendy Starr is their Lawyer and the Court should inform you of this in writing) You can then work out the date they should enter the defence by. My feeling is that they'll not actually do so, but send you a standard letter close to the date and pay up. Just happened to me!!

[glav]

Thanks for the words of encouragement Paintball! Settlement will mean nil balance with Cap 1 !! and a nice pound or two in my pocket. Enjoy your win!!

 

glav:)

[glav]

Hi all!

 

Update, letter received from court today to say that Cap one have until 3 July to respond to my claim. How long do you think it will take them?

 

glav:)

[doo]

Near to that date you will receive an acknowledgement of service, that gives cap one another 14 days, you will then receive a letter from them with their offer. All in all if they file acknowledgement of service they get 28 days, you will probably get your offer anytime from 21 days.