Capital One Nightmare!

uptheblades

Hello

I recently went through a tough spell paying back money (university then jobless etc etc.). Now that I am paying it back I am on a payment plan - or so I thought.

I arranged over the phone with a member of their staff that I could afford to pay £50 a month and review each month etc etc.

I have now found out that I am not on this plan.

One of my main problems with capital one is communication. Every time I call them it is 99% likely to be a person who speaks poor/appauling English. The people on the other side of the phone just can't understand or speak good English - it is so frustrating.

I have tried writing but I have had one reply from four letters and getting ever frustrated as it's costing me money.

Today I called them 6 times, connected through and realised I was speaking to somebody who was obviously not fluent in English. After the 6th time of hanging up and trying again I gave up - it really is getting me down.

Help.

Mark7799

What about writing or e-mailing them?

Anon

In my limited dealings with them, I have always found Capital One staff helpful and have always got through to a UK call centre (in Nottingham?) - I have called daytime which may be the reason? Could be worth trying during office hours.

Also, if you use their online facility to view your account, the messaging area goes direct to the right department and they answer within a few days - and again, they have always been helpful. Once they reply, print off the response as it is only stored for 1 year if I recall -they also reply with a name of a real person (if that makes sense) rather than the head of department's name so that you have documentation if anything goes wrong in the future.

Good luck

Anon