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Capital one help!!!
sugaJen
Posts: 475 Forumite
I got a CC when I was 19 (2000), used it, paid (some of) it then moved and didnt tell them......(I know I know) Anyway since then ive had more debt and my "lightbulb moment" in dec '05, being that worried about all my other debts I forgot about capital one (and I really did otherwise it would have been included in my administration order and I wouldnt be here now)
So cap 1 have wrote to me telling me my debt has been sold to lowell so I now owe them £529.12 my point is I only had a £200 limit, obviously the rest is charges but would I be out of this world cheeky to try claim these back??
TIA
Jen
So cap 1 have wrote to me telling me my debt has been sold to lowell so I now owe them £529.12 my point is I only had a £200 limit, obviously the rest is charges but would I be out of this world cheeky to try claim these back??
TIA
Jen
Good enough club member number 14
0
Comments
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No - not imho!
Illegal charges are illegal charges.
Yes a bit naughty not letting on you've moved, but why keep lumping charges onto an account where there' s no activity. It's just moneymaking for the financial institutions.
Go get them back!
Cazzie
xx0 -
Normally, I would reccomend claiming back charges wherever, but I agree with you - in this case it may be a bit cheeky.
But don't despair - you could try offering a reduced amount, in FULL and FINAL settlement to the DCA - there is information, and template letters, on the National Debtline link at the top of the page.
Cheers
Rog2I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.
HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7
DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS0
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