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Capital one late payment....
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*Sparkle*_3
Posts: 503 Forumite
Hello Guys
Just wanted some advice, my payment for my capital one card was due on 23rd, i made the payment via internet banking on the 20th.
The payment reached my capital one account on the 24th, i have been charged for late payment and going over my limit= £40!!
Obviously i should make my payments earlier, but i think its out of order they charge me that much!! Its not like i'm refusing to pay or anything or its a week late!
I havent called them yet, wanted to ask you guys first.
Whats your advice?
Plus they dont even have a facility where you can pay online on their website, or even call up and make a payment, they are so crap the first chance i get to get rid of them i will!!
Just wanted some advice, my payment for my capital one card was due on 23rd, i made the payment via internet banking on the 20th.
The payment reached my capital one account on the 24th, i have been charged for late payment and going over my limit= £40!!
Obviously i should make my payments earlier, but i think its out of order they charge me that much!! Its not like i'm refusing to pay or anything or its a week late!
I havent called them yet, wanted to ask you guys first.
Whats your advice?
Plus they dont even have a facility where you can pay online on their website, or even call up and make a payment, they are so crap the first chance i get to get rid of them i will!!
Abbey Loan £6,000
Tesco loan £3,000
Tesco points --- £100 worth £400 in deals for holiday! :j :T
"It is not the strongest of the species that survive, nor the most intelligent, but the one most responsive to change." (Charles Darwin)
Tesco loan £3,000
Tesco points --- £100 worth £400 in deals for holiday! :j :T
"It is not the strongest of the species that survive, nor the most intelligent, but the one most responsive to change." (Charles Darwin)
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Comments
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Call them up, if it's a first offence they are more willing to reduce/half the fine, not sure if they will totally remove it tho, but if they can see that your funds are in there now (a day late) they may be more willing to help
Sorry it's not a definate answer.....
BTW if you are over your limit they will let you pay with a debit card over the phone, but only when over your limit0 -
Definately call them!! We missed 1 payment with Capital One a few years ago, and they totally dropped the late payment charge (we'd had a good payment record since having the card!!)
With internet banking, I always make sure the payment is due to go out WELL BEFORE its due - just to be sure!!
Let us know how you get on!20p Saver Club #33 60p/£100
Christmas Saving £0/£1300
Saving Target 2014 £25/£10000 -
I work for another credit card company. You need to allow 4 clear working days for payments to clear.
My bank is currently having a crackdown on refunding late payment fees & over limit fees. It does my head in actually cos I would refund many of the late payment fees cos they are genuine. Not so much the overlimit fees though
MoneyBox savings £30.37 (10/05/06)
Now at................£54.50(07/06/06)
:j :j :j :beer: :beer: :T
Bank account RBS in the black
Bank account Lloyds in the RED :mad:0 -
the reason i went over my limit was because they added the late payment fee charge!!
I will let you know how i get on, i doubt they will remove both.Abbey Loan £6,000
Tesco loan £3,000
Tesco points --- £100 worth £400 in deals for holiday! :j :T
"It is not the strongest of the species that survive, nor the most intelligent, but the one most responsive to change." (Charles Darwin)0 -
You'll probably get half refunded.
They are crap though!
Learn from the mistakes of others - you won't live long enough to make them all yourself.0 -
Abbey Loan £6,000
Tesco loan £3,000
Tesco points --- £100 worth £400 in deals for holiday! :j :T
"It is not the strongest of the species that survive, nor the most intelligent, but the one most responsive to change." (Charles Darwin)0 -
sparkle, if you are lucky, you may well get the ol fee removed as well. Speak nicely & don't be off or sarcastic. When people are nice to me they are more likely to get refunds!!! :rotfl:MoneyBox savings £30.37 (10/05/06)
Now at................£54.50(07/06/06)
:j :j :j :beer: :beer: :T
Bank account RBS in the black
Bank account Lloyds in the RED :mad:0 -
:A OK will do!Abbey Loan £6,000
Tesco loan £3,000
Tesco points --- £100 worth £400 in deals for holiday! :j :T
"It is not the strongest of the species that survive, nor the most intelligent, but the one most responsive to change." (Charles Darwin)0 -
Tried all that - pleaded the poor student bit just to get the 50%. What do I have to do to get more?manicdays wrote:sparkle, if you are lucky, you may well get the ol fee removed as well. Speak nicely & don't be off or sarcastic. When people are nice to me they are more likely to get refunds!!! :rotfl:
Learn from the mistakes of others - you won't live long enough to make them all yourself.0 -
bbruce wrote:Tried all that - pleaded the poor student bit just to get the 50%. What do I have to do to get more?
I recently got my sons charges back for his halifax credit card by writing a letter for him to sign. This was after they point blank refused to refund anything at all.
The letter i used is on this thread
http://forums.moneysavingexpert.com...d.html?p=614045
Post no. 13, i just altered it slightly to state it was for credit card and not bank account.0
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