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Knock Back!!!
LolStevo
Posts: 548 Forumite
Well today i have received a letter from Capital One stating they are not refunding charges so now i begin my claim! I didnt want to get to this stage but i have to now! especially as they have added a further £80 of charges this month!!!
God damn when will this end!!! What do i do now!!?? xx
God damn when will this end!!! What do i do now!!?? xx
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Hi I too have just been knocked back by Nat West!
The next step is to send a letter before action, then after 14 days it's the threat of court - see Martin's tips on how to word your letter
Good luckDMP starts June 2012, £38,180.
Balance June 2015 £26,046 (paid off 32%)
DMP mutual support thread no 4340 -
this was the reply to my LBA!!! i am a bit gutted because originally it was only for £80 and now gone up2 nearly £200! it would of been easier for them 2 pay up first!!!0
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Yeah, they're hoping you just can't be bothered to keep pushing as far as court. A lot of people would just give up right now, letting them keep their money.
Good luck with your claim!DFW Nerd No. 140
Status as of 30/11/12
[strike]Rent 2500 Council Tax 800 NlPower - 800[/strike][SIZE=-2]:j IF - 8000
British Gas - [strike]112[/strike] - 102 Lloyds - 1123
Barclays - 306 Barclaycard 1,123 HSBC - 200 Capital 1- 400 Barclayloan - 4500[/SIZE]0 -
Just hang in there the banks will pay up.HugsBarclaycard 3800
Nothing to do but hibernate till spring
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You will get there in the end. Don't give up!
The money is yours!Lighbulb moment Mar 06 :think: Total debt £26023.60 Apr 06 :eek: Total Debt Now £22714.87 Total Paid Off £3308.73(12.71%) Debt Free Date 2013_party_0 -
Yeah, Capital One like to make this big thing out of saying their charges are 'fair' and 'correctly applied'.
With mine it got as far as issuing a claim with moneyclaim and Cap1 stating they will defend. Then they sent me a letter agreeing to refund all charges and interest and court fees - but please call off the dogs!
They will send you an agreement to sign - make sure you take a copy and if you're unhappy with anything in it - like mine said I wouldn't take any further action against them - I crossed that bit out and wrote them a letter saying if they continue to apply unlawful charges to my account then I will challenge them. Just make sure you send a letter back with the signed agreement and they will accept it.Proud DFW Nerd #62
Became Debt Free in Oct 2006 - uni was hard - financially!! Now need to start again.... :rolleyes2
PROUD TO BE DEALING WITH MY DEBTS
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LolStevo wrote:Well today i have received a letter from Capital One stating they are not refunding charges so now i begin my claim! I didnt want to get to this stage but i have to now! especially as they have added a further £80 of charges this month!!!
God damn when will this end!!! What do i do now!!?? xx
crap in an envelope and send it back to CAP1 with a letter saying "This is what i think of your company"0 -
if only!!!! thanks guys! i want to do my claim now and have registerd with moneyclaim just dont know how 2 write it all!!!! i dont have this sort of knowledge!!!0
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