Dolly Day Dream v Capital One**Wonn Contractual!!**

[DollyDayDream]

My statements have arrived and I am getting ready to send my Prelim letter to claim £524. It's wonderful to see that Vamp's spreadsheets are back . They are amazing!

DDD.

[DollyDayDream]

Prelim letter now printed and ready to send. The claim is for £504 - I added one charge twice originally because they sent me two copies of one page of my statements. I am on my way to the post now!

DDD.

[pmhcfc]

Prelim letter now printed and ready to send. The claim is for £504 - I added one charge twice originally because they sent me two copies of one page of my statements. I am on my way to the post now!

 

DDD.

 

Good luck- keep us posted...That press release by the Judge today should help all our causes

[rougesept]

Sorry to interrupt, which press release pmfchc?

 

Rouge

[pmhcfc]

Sorry to interrupt, which press release pmfchc?

 

Rouge

 

A senior civil judge has called on the financial regulatory authorities to investigate the legality of bank charges in the absence of any firm court ruling.

Judge Paul Collins, senior judge at the Central London Civil Justice Centre, said his fellow judges were "frustrated" at the number of legal disputes between banks and customers.

He added that the legal community was "concerned" that due to banks settling out of court, no ruling had been made on the matter.

The comments were made as part of a Tonight with Trevor McDonald special on the issue of bank fees.

Over recent weeks, a growing number of people have successfully challenge their banks over what they claim to be unfair and unlawful fees.

Customers have threatened to take financial institutions to court over unauthorised overdraft fees that can be as high as £35.

But the disputes are always settled before being heard, denying the courts the opportunity to make a ruling.

Judge Collins told the programme that an attempt was made to arrange a test case, by grouping together more than 30 cases, but they were all settled.

He said: "It is clear from discussions with judges across the country that there are a huge number of cases in which customers have been suing banks in relation to bank charges.

"None of these cases, so far as I know, have ever been brought to trial because the banks have always settled them, sometimes at quite a late stage in the proceedings. Because of the sheer number of the cases and the fact that they haven't been brought to a decision, I think it is fair to say the judges are frustrated."

[DollyDayDream]

Sorry, forgot to post to say that Prelim letter is now on the way, so that makes March 10th for LBA. I hope all the publicity is helping our cause - especially Judge Collin's comments.

DDD.

[DollyDayDream]

Cap One have sent me a Complaint Settlement Form, offering me £192 instead of £504. I don't think so! I have just had a payout from Nationwide today, so I'm all fired up!

DDD.

[ukaviator]

You need to send them the rejection letter now. There are a few in the templates library..Stick to your timetable, they will pay eventually.

 

Uk

[DollyDayDream]

Thanks UK

I have printed out both the response to settlement and LBA ready for posting tomorrow.

DDD.

[DollyDayDream]

Rejection letter and LBA are now winging their way towards Cap One.

DDD.

[Blueloobylou]

Hi DDD,

£192 must be the standard offer. Ive today received a letter offering me exactly the same amount.

Looby

[DollyDayDream]

I am printing out the N1 ready to take into the court on Wednesday. I am looking forward to a nice holiday this year!! :grin:

DDD.

[ukaviator]

And you will get your wish after you have filed your N1 . . Soon after that part of the process is done..They may defend first then pay up ..

 

Uk

[DollyDayDream]

Thanks UK. I have been in to the court today and filed my claim. Felt like an old hand after my success with Nationwide. Not so much money due this time, but as the supermarket ad says "Every little helps"!

DDD.

[louloubella]

good luck - keep us posted.

 

I'm at the stage where i have received a letter from court telling me that cap one are to defend the claim - i claimed money back from nationwide too

[ukaviator]

Should get your money very soon now Louloubella..

[doo]

Hey Dolly, have been to court today and put my claim in so am 1 day behind you, what interest are you claiming?

[DollyDayDream]

I am claiming 34.9% contractual compounded interest, with the alternative of 8% simple interest. The likelihood is that they will just pay the 8%, but it's worth having a go! Good luck with your claim.

DDD.

[doo]

Felt the same so have gone for CCI as well, lets keep our fingers crossed.

[DollyDayDream]

Another letter with the offer of £192 from Mr Udy, and he claims this is his final offer. We shall see!!

DDD.

[doo]

I have to date now had 3 offers from Mr Udy, all for the same amount - I guess we just sit it out now and wait.

[DollyDayDream]

The Notice of Issue has arrived, deemed served on April 7, and they have until April 23 to reply. I wonder how long it will take them?

Happy easter, everyone, by the way!

DDD.

[doo]

Dolly, got my Notice of Issue too, deemed served on 6th April, there are a few of us now around the same stage, always good for support.

[DollyDayDream]

Will they pay it into my bank account or send me a cheque? It's not quite the same as the obsessive checking of my account when I was waiting for Nationwide to pay up, although I keep looking just in case! I have just seen the optician and ordered some new glasses, and as I am a little old lady need varifocals which cost an arm and a leg. Some extra money would come in quite handy.

DDD.

[doo]

They seem to pay in different ways, some people seem to have had a cheque and others the balance paid off of their card, who knows, hopefully a result soon. Have you still got a balance on your card?