Anyone had any luck with Capial One?

Superstylin_2

Hi All,

Had a quick look on the board but couldn't see anything (plus didnt want to spend hours going back!:)). Just wondered if anyone has had any luck claiming back their CC charges with Capital One?

Sent off my letter a couple of weeks ago, not heard back yet (no suprise there!) but was just interested to see how other people have got on?

Ta
Matt

lucia85

hello i sent off a letter to captial one from this site for my mum, she did hear back yesterday after about a weeksaying no they would not refund any charges, wrote another letter ready to post and heard from them again today saying they will refund the charges and that she had ppi insurance on account and how to claim that back...i would call them to check they have the letter and take it from there.

podperson

Make sure you send them everything recorded or they just claim they haven't received it!
Sent my first letter - got a reply offering me the difference between the £12 charges and the higher ones.
Replied with second letter saying I refused that offer and quoted from OFT report - received second offer offering me all the charges plus an amount towards the contractual interest I'd claimed (34.9%, if I had known what I know now when I was offered that interest rate!!!!) Accepted and got cheque for the remainder after my balance was cleared in about 3-4 weeks.
They were a bit slow on the replies, I asked for responses within 2 weeks on all letters but was generally 3-4 weeks from them.

chezza1000

Sent my first letter requesting a list of charges on 5th November this month. Got them a week later. Then wrote a letter asking for all my charges plus interest back...£1195 to be exact. They wrote back within a week and offerred me £386. I have since wrote back refusing this and demanding full payment. Havent heard back yet but they seem quite easy to deal with!
Good luck with your claim x

dec22

I had the same experience as Podperson, so persevere and if you don't have any joy, send your complaint to the FOS. Good luck

floyd73

I havent tried Captial One. I will try them as I didnt have any luck reclaiming my bank charges from RBS :-(

good luck

podperson

Floyd, unfortunately you won't have much luck with bank charges at the moment unless you can show financial hardship, but credit card charges are not affected by the court ruling so much easier to get back. Good luck with it.

andysams1

Hi finally got an acceptable offer from Cap 1 today. Wrote my original letter on sept 5th 2010 asking for £890 in refunded CC charges. Heard nothing until mid Nov, letter from Cap 1 sayting they had written to me in Oct, but were offering £300 as a good will gesture. I refused this and got a reviewed offer of £851.51 which i have accepted.
Keep onto them, you will het there in the end