Capital One Ripping me off!!

never-in-doubt

kezlou wrote: »

Hiya gianni,
sorry to hear about the extra charges to your account. It is ridiculous to charge you three amounts. Natwest tried to do it to me when i missed a payment via DD, the amount was for a whopping £5 and they tried to charge me £60 + £10 extra admin fee. I booted off at them saying they were at fault because they tried to take money out of my account two weeks early than they should.

I didnt have any money in the DD account as i had a separate account which my wages went into, and i hadn't transferred any money into the DD account. hence an explanation of why a small amount lead me or anyone in the uhis unfortunate situation to pay an extra £42 in charges on the DD account which the bank said i had to pay, no reversing out of that one.
Luckily i managed to get all charges reversed on my credit card account as they were clearly in the wrong.

Not everyone has money in all or any of they accounts, for many people inc myself prefer to keep accounts separate in order to may sure money for bills are never spent. Or just live in they overdrafts so any money is constantly needed for other things. e,g car costs, insurance, break in, repairs, sudden illness, wages put in late etc all unfortunate events. But they you go all we can is go with the flow. The OP has a right to whinge and be annoyed because he offered to pay one charge just not three.

Gianni hope some of the charges are reversed.
Best of luck for the future. x

OP could always just pay what they owe and refuse to pay charges, issue them account in dispute and then argue the whole charges in their entirety.... carries a risk of losing though and for a few quid (i.e. less than £100) i'd not do this but worth considering.....

If OP decides to appeal then let me know and i'll post a template letter for them to use.

LondonAndy

daveboy wrote: »

...and you should also look after your finances so you can pay the poxy amount of £9.

Congratulations on idiot thread of the month.

That's a pretty rough post to a new poster looking for help and advice. Can you not offer a constructive comment or two maybe? Rather than writing carp comments. Have you never made a mistake with your finances EVER?

Ashamed to be using the same avatar. :mad: Except yours is all faded and pap, a bit like your comments really.

PROLIANT

Glitzkiss wrote: »

There is no freedom of speech on this site. It is Martin's site therefore we abide by his rules which include:

Pls be nice to all MoneySavers. There's no such thing as a stupid question, and even if you disagree courtesy helps.

I suspect this includes reading the OP thoroughly and not spinning it for your own train of thought.

I hope you got your situation sorted OP

Then make the forum private.

exel1966

Glitzkiss wrote: »

There is no freedom of speech on this site. It is Martin's site therefore we abide by his rules which include:

Pls be nice to all MoneySavers. There's no such thing as a stupid question, and even if you disagree courtesy helps.

I suspect this includes reading the OP thoroughly and not spinning it for your own train of thought.

I hope you got your situation sorted OP

It's a public forum where anyone is free to post their opinion whether you agree with it or not, providing it's not racist, abusive, spams, advertises, is personally offensive.

I see lots of opinions here but none of the other !

Glitzkiss

PROLIANT wrote: »

Then make the forum private.

PM Martin and suggest it.

Glitzkiss

exel1966 wrote: »

It's a public forum where anyone is free to post their opinion whether you agree with it or not, providing it's not racist, abusive, spams, advertises, is personally offensive.

I see lots of opinions here but none of the other !

But you do have to abide by the rules which includes being nice to all moneysavers.

It's not difficult

exel1966

Glitzkiss wrote: »

But you do have to abide by the rules which includes being nice to all moneysavers.

It's not difficult

Yes I agree, BUT just because you have a differing opnion does not make it wrong or unfriendly.

Sar

exel1966 wrote: »

It's a public forum where anyone is free to post their opinion whether you agree with it or not, providing it's not racist, abusive, spams, advertises, is personally offensive.

I would say calling someone an idiot, as in a previous post by daveboy, is personally offensive...

Glitzkiss

exel1966 wrote: »

Yes I agree, BUT just because you have a differing opnion does not make it wrong or unfriendly.

Perhaps you should review post #31 again. It did not read as helpful or constructive to me.

Paulgonnabedebtfree

ylesia wrote: »

I personally don't manage my finances so tightly, if for some bizarre reason all my DDs went out before I got paid then I would be fine but it has never happened. When the 21st falls on a weekend or bank holiday then they always go out later, I just assumed this was the DD standard but obviously not.

It surprised me too. I've never had a DD go out early. They sometimes go out late as you say but never early.
It sounds like the OP may have a good case for a full refund. It's usually best to invoke the complaints procedure in writing and when it's exhausted (if it goes that far) complain to the ombudsman. It usually doesn't go that far though.