Good new re Capital One but I am not accepting!

gilly41 · 6 May 2006 at 6:55PM

Hi
I have written to Capital One re my charges(after all the good advice on these boards) and today I have received a lette roffering me £185 back!!I am not going to accept but at least it is a step in the right direction. (I am claiming £700 back)
Can anyone please guide me to the link that has the letters re bank charges(it would be the one where i got the letter to copy for this but I cant find it)
Thanks
xx

crawley_girl · 6 May 2006 at 7:00PM

https://www.consumeractiongroup.co.uk

I was in exactly the same position, but filed on line and then they wrote and offered me the full amount plus interest plus court costs without it even getting that far. Still they call it a 'gesture of goodwill'!!!

Keep the faith and don't cave.

:heartpuls Cg :heartpuls

gilly41 · 6 May 2006 at 7:06PM

Hi Crawley Girl
Were you with Capital One? Did you write the first letter and get a similar reply to me and then go ahead and push for the full amount?
Sorry so many questions ---I am just really interested to hear from people that have won against Capital One.
Thanks x

dottyanne · 6 May 2006 at 7:20PM

Hi I too have a capital one card - well 2 if you count OH's - how did you calculate all your charges and where did you gt your info from - i dont save all statements im afraid - how far back can you claim them? any advice please - also can you do this with Barclaycard as we both have cards with these too?

crawley_girl · 6 May 2006 at 7:24PM

Yes it was Capital One.

I had to write the initial letter which resulted in £40 being credited back.

I wrote the LBA and got a letter back saying, you've had £40 we can't do any more.

So I filed on Moneyclaim on line. They acknowledged the claim the next day and then they wrote about a week later and said 'bearing in mind the circumstances blah blah we'll refund the £120 plus interest plus costs'. I had to sign to say I accepted and am now waiting for the cheque to arrive.

Does that help?

:heartpuls CG :heartpuls

crawley_girl · 6 May 2006 at 7:25PM

Go look at https://www.consumeractiongroup.co.uk - tells you everything there

crawley_girl · 6 May 2006 at 7:26PM

If can be done with bank accounts, credit cards and store cards but go look at consumeractiongroup - it really does tell you how

gilly41 · 6 May 2006 at 7:34PM

Hi again
Aww thanks that is a great help. I am going to write the next letter tomorrow morning and get it posted recorded delivery on Monday.
They have actually offered me just over 25% of my charges back

I am definately not going to accept this.They have enclosed a letter for me to sign to say i agree

nooo way.
I will plod on with it

I now feel sure i will get the full lot back eventually!!!

Dottyanne---I wrote to them asking for copies of all my statements dating back to 2002 when i opened the account(but you can go back 6 years).The letter is on the link which Crawley Girl has posted.
Good luck xx

crawley_girl · 6 May 2006 at 7:40PM

I can not stress how important it is to go look at https://www.consumeractiongroup.co.uk - there are lots of people there with lots of knowledge and the FAQ section was really invalueable to me.

If you are going to do it, do it properly and look at the website! Rant over!

Gilly - go for it! I was panicky but felt it was worth the risk - which has turned out to be very risk-free!

System · 7 May 2006 at 9:16AM

I did all my initial letters on Wedsnesday (12 different creditors) asking for a record of all the charges. My question is - How do they re-credit the charges? Does it come off any outstanding balances or is it a cheque??