lana v Capital One ***WON***

[Lana241]

Well guys, 14 days were up today and finally received a reply from CrapOne, offering me £80, the difference between the 20 and 12 quid charges, sending a complaint settlement form. LBA prepared and will be posted, £80, laughable, haven't stopped laughing since i read their reply.

 

LBA to be posted today

[adamc6671]

Hi Lana

 

Thats bog-standard procedure for cap 1, if the experience with both my claims against them is anything to go by!

 

I'd fully expect them to pay up in full within about a week after you issue the full claim in Court. Least-wise, thats what happened with both of mine. At least that way, you get the 8% stat interest as well.

 

All the best Lana

 

Adam.

[Lana241]

Hi Adam,

 

Thought it was a bog standard letter, think i've read loads on threads about the same lol

 

LBA on its way though, am not giving up the fight on this one

 

Speak soon

Lana

[adamc6671]

Hi Lana

 

Whatever yoyu do, don't give up - they'll almost certainly pay up, in full, just after the Court issues the claim.

 

All the best - Adam

[Lana241]

little behind schedule.....again lol

 

LBA 14 days were up, have just been filling in N1 ready to post and got a letter from crap one saying 'our final offer is 80, we won't be paying anymore, accept it and go away'

 

No chance.

N1 on its way to the court at the weekend unless of course i'm too late .....again

 

catch you later on guys

Lana

[adamc6671]

Hi Lana

 

As I said before, and if previous 'form' is anything to go by, you'll get a cheque for the full ammount plus 8% interest about a week after the Court issue the claim to Cap 1.

 

Keep my fingers crossed for you!

 

All the best - Adam.

[Lana241]

Hi guys,

 

Finally doing my N1, do I use the standard POC on the forum here or is there anything else I should use.

 

Thanks guys

Lana

[Lana241]

sorry guys, don't know what happened to the rest of my message, must be cos it was early

 

Anyway, I've used the standard POC, and wondered how I would word the little bit about the 'restitution interest steven mentioned a few messages ago', do I use some of the wording mentioned in his interest tutorial?

 

Thanks guys, really appreciate it.

Lana

[steven4064]

Have a look at the POC in my Goldfish thread

[Lana241]

Thanks for that Steven, am stuck at work and the internet is playing up a bit, am starting to get a little panicky in case it all goes wrong.......typical Lana thing that though.

 

Anyway, thanks again for your help

Lana

[Lana241]

Well guys, wish me luck, N1 being posted today, am really nervous and hope i've attached everything I should have lol

 

I'm keeping everything crossed as this is the first one i've done properly.

 

Will let you know how things go.

 

Thanks againfor everyone's help so far

Lana

[Lana241]

well guys, finally got something right for once

 

Claim deemed served today, got the paperwork back from the court, am really excited, sad or what!

 

Will keep you all posted

Lana

[Lana241]

Well, knew it was too good to be true, CrapOne filed an acknowledgement of service on 8th July, notice says they have 28 days to file a defence, guessed this would happen after reading all other claims and stuff on here.

 

Knowing my luck this one will probably go all the way to court, have read loads today and not many i've read seem to end up in front of the judge so keeping fingers crossed.

 

Again, will keep you all posted should something happen

[ukaviator]

Ok Lana, usual tactic by Capital One. Just keep an eye on your account online if you can for the refund. It is very rare that Capital One go to court.

[Lana241]

Thanks for that UK, the court claim is for more than the balance on my account, what will happen there, will they send me a cheque or leave it on card?

 

Stupid question I know but brain is mush today lol

 

Thanks UK

Lana

[ukaviator]

They normally pay an outstanding amount to your card, and refund the rest via a cheque. Just the wait now, shouldn't be too long.

[Lana241]

Music to my ears hehe

 

Thanks for that UK, will watch for the postman lol

 

Thanks again

Have a good night

Lana

[Lana241]

I think I've won guys lol

 

won't shout too loud at the mo but just logged into my CrapOne account and is shows a credit balance of the payment just made, my full credit limit available and a cheque refund issued 10.7.08.

 

Apparently this should arrive within 7 days.

 

I'm so excited, this is class, only filed at court 30th June, didn't think they'd pay pmsl

 

Just want to say thanks again everyone for all your help

Really appreciate it

Lana :D:D:D:D

[Lana241]

sorry, missed a bit

 

Forgot to say, i got full interest at 29.9% (that restitution thing, sorry steven, still confused over that bit ) and 8%.

 

Amazing, still smiling, although won't jump around the house until the cheque has cleared!

 

Thanks again

Lana

[havinastella]

Hi Lana

 

Congrats, I got my letter from them this morning, full refund to balance of card (which they have sold to cabot) and a cheque, that may take up to 3 weeks to get here. I suppose I'll have to go all the way to court.

 

Jogs

[ukaviator]

Well done Lana, good job. Full interest as well .. .

[Lana241]

Thanks UK, was well chuffed

 

Got a letter this morning saying cheque will arrive in approx 14 days, they don't admit liability etc etc they also say that the refunds are made purely as a gesture of goodwill and they will now defend the claim on the basis that they have refunded the full claimed amount.

 

They say i should contact the court and cancel the claim and they have written to the court to say they've settled..........will only cancel court case when chq has cleared lol

 

still can't believe it lol

 

Thanks again everyone, once cheque has cleared will sort out the donation. Couldn't have done it without you all.

 

Thanks again

Lana

[adamc6671]

A HUGE 'Well Done' Lana. You certainly deserve it!

 

Spend it wisely, and above all, ENJOY!!!!!!!!!!!!!!!

 

All the very best

 

Adam.