Capitalone won't let me cancel

EVELYN

HI,
I HAVE HAD A CAPITAL ONE CARD FOR A FEW YEARS NOW THE ONE THAT YOU HAVE TO PAY A YEARLY FEE. THE BALANCE WAS ZERO AND THEY STATED THE NEXT STATEMENT WILL INCLUDE THE YEARLY FEE. I DECIDED I DID NOT WANT THE CARD NO MORE SO I WROTE A LETTER CONFIMING THIS AND HAD NO REPLY. NEXT STATEMENT CAME WITH THE YEARLY FEE ON IT TO BE PAID,I RANG THEM UP TO COMPLAIN AND THEY SAID I HAVE TO KEEP THE CARD BECAUSE I SIGNED A CONTRACT. NEXT STATEMENT CAME WITH CHARGES ON NOW. I CANNOT REMEMBER SIGNING ANYTHING THAT SAY'S I HAVE TO HAVE THIS CREDIT CARD FOR LIFE!!!!:mad:
1. IS THERE A TIME LIMIT YOU MUST KEEP THE CARD?
2. SHOULD I TAKE MY COMPLAINT FURTHER?

I THINK I HAVE HAD THIS CARD FOR AT LEAST 3 YEARS NOW.
CAN ANYONE ADVISE PLEASE?

MANY THANKS.

chattychappy

What do your T+Cs say about termination and annual fees? Whether or not your signed anything, this is what you would be bound by (within/as modified by statutory rights).

Any chance of not writing everything in CAPS?

PNPSUKNET

You are going back a while, the classic one used todo this and even if you cancel you have 14 days to before you are liable for the annual charge. Although they no longer charge it.

clairbear1000

Yes i had this card and a while back (a year or more) I was told the annual fee was beiing cancelled (probably in lieu of a higher APR).

Check your terms and tell us what they say.

EVELYN

I think I will pay up the yearly fee and the £12 charge they gave me and send the card back with a covering cancellation letter by recorded delivery and see what happens. All I can find on my credit card agreement about my rights is-(You can settle this agreement at any time by giving notice in writing and paying off the amount you owe under this agreement).
I had already sent a letter but unfortunatly NOT by recorded delivery and phoned them up but that did not go well.
Thanks guys sorry about the CAPS newby I am

PNPSUKNET

you can call up and cancel, I did it last year