Capital One and 6 year limit

Linda_JB

I sent a LBA early in 2008, then having sent a second letter telling them that I wasn't happy to be ignored I received a response basically telling me that I wasn't going to get a refund because I signed T&Cs etc. I sent a second letter and then received an offer. As it was less than a third of what I was claiming I declined their offer!

Anyway, I've had a pretty difficult six months or so and didn't follow on with my claim. Question -

If I was to continue my claim, ie, I shall now be filing in Court, some of these charges now fall out of the six year period. Does the date of my claim start from when I initiated the claim, or does it start with my court claim date?

Thank you (and sorry for being a bit thick!!):o

oscar52

If your last contact with the bank was over 6 months ago, I think this will have to be a fresh claim.

This is based on most final responses from companies giving 6 months to contact the ombudsman.

Not sure if it is correct, but someone will confirm soon.

Linda_JB

Thanks for your response. So as my parting statement to them was on the lines of "I shall not hesitate to begin legal proceeding without further warning" should I notify them that I shall now be going the Court route?

I shan't be losing out by much, but it's my money and not theirs!:rolleyes: I just don't want to lose out on something if I can actually claim it back. BUT I don't want the Court to reject the claim because I've claimed outside the timescale.