My old Capital One debt

bobbadog

Hi guys

I've been reading with interest how many of you claim back unfair bank charges from your suppliers, and wondered if you'd be able to advise me

I had a Capital One credit card before University, which was full to the limit of £200. My stepdad died and I ran off to London instead of uni locally, forgetting all about the card (which had been paid fine up to that point). Two years later I found an old statement at my mums, got in touch and explained that I owed them money. This figure was set at £605 and the interest froze at that point (on debt of £200). It took a year (literally) of writing and ringing Capital One and Capquest (who were passed, then unpassed, then repassed my debt) before settling it at £450 (I'd been paying off £20 a time everytime I managed to get through to Capital One on the phone - before being fobbed off to Capquest again).

My credit file has this Capital One debt on, and says Part Settlement (a bit harsh, beings I paid £450 on the £200, and they fobbed me off from Jan 2005 until March 2006).

Am i within my rights to ask Capital One to remove this from my credit file, on accounts of the interest/non payment charges of £30 a time being unlawful? I do not have the statements, as I did not live at home at the time, and the account is now closed so not certain where I stand. I do not want the money back, but I would love it to be removed from my Credit File. I have put a Notice Of Correction on my file with Equifax but not yet witH Experian and Callcredit.

Any advise is, as always, most greatfully received x

amosworks

I'd go to the CAG website - https://www.consumeractiongroup.co.uk - and read their section dedicated to Capital One, they are probably more knowledgeable on the subject there.

Good luck!
Amos