Give_me_it_back vs Capital One - **WON**

[give_me_it_back]

Hi all

 

I have now received the letter I requested from Capital One. They have listed all the charges, dates and type of offence. Minus the money I got back at the time by simply asking, the total comes to 148.00. Not a huge amount, but mine all the same!

 

I will be posting the 1st letter by recorded delivery tomorrow, giving them until 7th July to respond before sending the LBA letter.

 

PS - I'm in Scotland. Is there anyone else out there in Scotland and with Capital One? I assume the letters are the same - and it's just the court action that's slightly different.. is that right?

 

Wish me luck!!!

[give_me_it_back]

Is there anyone who can answer my previous Scotland query...?

 

Also, the letter I received from Capital One was just typed, and they had listed the charges. Have they done this with anyone else? I did ask for a "full and comprehensive list of the charges" so they have given me what I asked for... But do I trust them..?

[clayts]

There is a Scotland forum, but I'm fairly sure the prelim letters/LBAs are the same. The small claim court ceiling is £750 in Scotland, that being the only major difference I can see.

[give_me_it_back]

Thanks Clayts. That answers my question.

 

[give_me_it_back]

Hi all. I am getting a bit confused and just need some guidance please...

 

I received my list of charges from Capital One (well within the 40 day timescale). Following on from that, I sent them the LBA (I think!) letter - giving them until 7th July (ie - Friday!) to refund in full, or (quoting from the LBA letter): If you do not respond or you do not respond positively within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect.

 

Hmmm... what letter does this refer to?

 

Have I got templates mixed up..?

 

Thanks for your help.

[give_me_it_back]

I have seen where my confusion comes from...

 

In the templates library, there are two letters:

 

'Consumer version - asking for it back'

 

and

 

'Preliminary approach for payment'

 

Could someone please clarify what the difference is between these two letters... They both mention a 14 day period before LBA...

 

Thanks

[give_me_it_back]

OK... I think I have worked it out for myself, but I would appreciate someone just clarifying... This is not the sort of thing I want to get wrong!

 

In the library section, the letters don't appear in order. I THINK the 'preliminary approach' (no 3 on the list) should be the second letter, with the 'LBA - consumer version' (second on the list) being the 3rd letter sent..? I suppose the clue is in the title, rather than being listed in order

 

If there is STILL no response to this 3rd letter, THAT is when action starts, and forms 1 and 1a (Scotland) are completed.

 

I'm pretty sure I'm right... Am I? :-|

 

Thanks!

[candyfloss]

I, too, am in Scotland. I have today sent off my DPA request letter to Cap One. I'm relatively new to all this but if you click the FAQ thread in the Libraries forum there is a thread with step-by-step instructions on claiming back your charges. I found it helpful to print these out so that I have them to hand instead of having to go through them each time I sign in to the forum.

 

Dunno about the Courts part of claiming the charges yet as I'm still in the early stage, that's something I've still to read up on.

 

Good luck with your claim and hope I've helped with your query.

[give_me_it_back]

thanks VERY much candyfloss! I do find this site extremely difficult to navigate (and I used to design website navigation maps for government agencies and quangos!!) I had missed that area altogether!! Just when you think you have read absolutely everything!

 

I have found it now, and am printing off the pages. I will have a read through those tonight.

 

I see the MODS are working on a specifically Scottish section too - which will be a big help.

 

Good luck with your claim. Which part of Scotland are you in?

[candyfloss]

Glad to be of help Give......by the way I'm in Fife.

[candyfloss]

PS thank you very much for clicking my scales LOL

[give_me_it_back]

No problem! My Mum's in Fife - Bow of Fife actually.

 

Keep me updated on your progress!

[give_me_it_back]

THEY'VE PAID UP!!! Today was the deadline before the LBA... Just received letter now from Robert Udy saying:

 

"...our fees are in line... The OFT has said that it believes default fees of £12 are likely to be fair.. (er - no they haven't!)... we disagree with their analysis and believe our fees are both fair and legal.

 

However, as a matter of goodwill, as you've requested, I have refunded your £148 back to your account (I'll let them off with the 88p!)"

 

YE HA!!!

 

Thanks for all your help and guidance. i'm off to fill out the questionnaire and make my grateful donation!

[give_me_it_back]

I have just noticed... THEY PAID ME MORE THAN I ASKED FOR!! It was only 124.96, and they have paid back 148!!!

[give_me_it_back]

MODs - can't quite believe I am saying this, but can you move me to 'concluded'!?

 

Thanks (donation made)

[give_me_it_back]

Does no-onw want to congratulate me..

[Yasmin]

Fantastic news!!! well done

[give_me_it_back]

Aw!! Thanks Yasmin!! Was beginning to feel lonesome.

[candyfloss]

That's excellent news Give!!! Well done and congrats!

 

I received an acknowledgement letter from Katherine Blunt today in response to my DPA letter, so the ball is in motion....! Watch this space lol and fingers crossed.

[give_me_it_back]

Thanks Candyfloss! Good luck!

[barracad]

Congratulations!!

 

Thanks for the donation, it is greatly appreciated.

 

Please don't forget to complete our bank charges survey.

[give_me_it_back]

No problem Barracad! Money well spent (for once!) I have filled in the bank charges survey, and really look forward to visiting paypal again soon!

[big aid]

i hope that i can get the wonderful Mr Udy in the same mood that you got him in.

 

congratulations

[give_me_it_back]

Let's hope Mr Udy aint Moody...

[bish]

Well done on getting your money back, just calculated my charges on capital one card of £200 credit limit, a stagaring £1152.00 less a goodwill payment of £84.78, Just hope I have the same response you eventualy did. Hope you cut the card up and posted it back to them with a £20.00 charge.

 

Regards bish