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Capital One with the FOS - still adding charges - can I claim them?
chequeout
Posts: 171 Forumite
Hi all
My Capital One account is currently with the FOS (I'm claiming back £340 in charges but after using the template letters they offered me a goodwill payment of just £48 which I rejected).
However, as my account is still over its limit Capital One keep adding a £12 charge per month on top meaning that the £340 I'm claiming for has now gone up to £364 with an extra 2x £12 charges added on.
Should I tell the FOS this? I.e. do I claim back £364 now rather than the £340? IF I win this, it would basically be enough to settle the account which I'm aiming to do so it would be good if they just refunded this account so I could close it.
Any advice would be appreciated.
My Capital One account is currently with the FOS (I'm claiming back £340 in charges but after using the template letters they offered me a goodwill payment of just £48 which I rejected).
However, as my account is still over its limit Capital One keep adding a £12 charge per month on top meaning that the £340 I'm claiming for has now gone up to £364 with an extra 2x £12 charges added on.
Should I tell the FOS this? I.e. do I claim back £364 now rather than the £340? IF I win this, it would basically be enough to settle the account which I'm aiming to do so it would be good if they just refunded this account so I could close it.
Any advice would be appreciated.
Pounds, shillings and pence; I caught a dirty wench, I gave a cough, her leg fell off, pounds shillings and pence :rotfl:
MSE EXPERT - THE CARLSBERG OF THE MONEY WORLD :beer:
MSE EXPERT - THE CARLSBERG OF THE MONEY WORLD :beer:
0
Comments
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You will get them all back, the bank will backdate them all by default, but whats to stop them charging you again once you had a payout? Mmmm, i am just waiting till October for the ruling and going from there.Owed out = lots. :cool:0
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You will get them all back, the bank will backdate them all by default, but whats to stop them charging you again once you had a payout? Mmmm, i am just waiting till October for the ruling and going from there.
Well (hopefully) if I receive all the charges back, this will be enough to pay off the debt with them (it's relatively small, one of my better ones...) and I will close the account once and for all.
Hurrah!Pounds, shillings and pence; I caught a dirty wench, I gave a cough, her leg fell off, pounds shillings and pence :rotfl:
MSE EXPERT - THE CARLSBERG OF THE MONEY WORLD :beer:0 -
You will get them all back, the bank will backdate them all by default, but whats to stop them charging you again once you had a payout? Mmmm, i am just waiting till October for the ruling and going from there.
October???0
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