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Capital One AKA !!!!!! Turpin
Going_Potty
Posts: 4 Newbie
in Credit cards
People,
My missus has a default notice on her from Capital One from late Nov 2007, they have only just offered my missus £700.00 back as a good will gesture. The thing is they are saying yeah there's the money back but this money was wrongly added to an account in the first place. So the default is incorrect because they are saying there's the money back so the amount is wrong for the default in the first place. Anyone got any ideas, because my missus is going bonkers.:mad:
My missus has a default notice on her from Capital One from late Nov 2007, they have only just offered my missus £700.00 back as a good will gesture. The thing is they are saying yeah there's the money back but this money was wrongly added to an account in the first place. So the default is incorrect because they are saying there's the money back so the amount is wrong for the default in the first place. Anyone got any ideas, because my missus is going bonkers.:mad:
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Comments
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She would be going even more bonkers if she knew how you badly you were explaining it on here...0
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I understood what you where saying.
If you write to Capital One and say that has the mistake was there in the first place can they know clear the marking on your credit file. You should not have to wait for a time period if it was there fault.0 -
belleyetere wrote: »i understood what you where saying.
If you write to capital one and say that has the mistake was there in the first place can they know clear the marking on your credit file. You should not have to wait for a time period if it was there fault.
how can you possibly give advice when the original post is so badly worded as for no one to really know what happened , how and when ?
Good job your not a doctor...0 -
how can you possibly give advice when the original post is so badly worded as for no one to really know what happened , how and when ?
Good job your not a doctor...
Because I can read between the lines to work out what he is trying to get across.
A simple act you could not master.0 -
belleyetere wrote: »Because I can read between the lines to work out what he is trying to get across.
A simple act you could not master.
Care to share it with the rest of us? His missus defaulted and Capital One are giving her £700? For what?"A nation of plenty so concerned with gain" - Isley Brothers - Harvest for the World0 -
Grade_A_Reject wrote: »Care to share it with the rest of us? His missus defaulted and Capital One are giving her £700? For what?
What he is saying is in 2007 Capital One are saying she has defaulted on payments to her account by a unknown amount to us. After a battle with Capital One over 2 years Capital One have finally admitted that they where in the wrong and the OP's wife had not defaulted. They have reimbursed / compensated them with £700.
His wife still has the default showing on her credit file. A default that should have not gone on the credit file in the first place.
This is still showing when she applies for anything even a mobile phone. She is not happy that it still on her file and is probally costing her higher premiums or higher interest rates.
Capital One are the only people who can agree for the default to be removed.
It is quite easy for a account number to be keyed in to a computor incorrectly and the money paid into a different account then the one the money was intended for.0 -
Last paragraph should have read money paid into or debited from a different account then the one it the money was intended for.
I once had a amount taken from one of my acounts which was not one of my transactions. I managed to get it sorted stright away. If the credit card company will not treat it has theft they expect you to pay for it untill you can prove otherwise. How many of you would pay for something you had not spent. Because you refuse to pay for it they put a default on your file.0 -
I'm reading this differently. I read it as the OPs wife defaulted for an amount, x.
2 years later Capital One reimbursed her with £700 (possibly from unfair charges, who knows?). I think the OP is complaining that the default is still showing for x, rather than x-£700. Or he thinks that as his wife received money back as a goodwill gesture, this should negate the default.
I guess we will never know unless the OP returns to clarify.0 -
belleyetere wrote: »Because I can read between the lines to work out what he is trying to get across.
As i said , good job your not a doctor;)0
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