Credit Card Charges Question

mackers8923

Can anyone tell me if the tutorial on this site can be used for the claiming of charges which have been applied to a Credit Card account which is not linked to a Bank Current Account?

I have 2 Capital One Accounts and they have gone through the roof with charges....I simply want to know if I can use the same instructions to get back what they have stolen from me.

Phoenix79_2

Yes you can. The claiming back charges crusade was initially aimed at credit card charges and not bank account charges.

mackers8923

Thank you for the information, I'm sending my first letter today and will keep MSE.com informed of my progress.

mackers8923

Capital One phoned today asking about the status of my account and I explained about the letters on way to them to which the young lady asked if I had sent them registered post.

I hadn't this time, which I told her and her reply was that it would take 3 weeks to process the letter. I simply replied stating that I had no problem with this providing that I receive the information requested within the 40 days!

She went on to waffle some more about this 30 day stuff and I simply said that it was Capital One's problem not mine and that i would be expecting the information - "She Hung Up"

Well Done Capital One....

liz23_2

I'm pig sick! I normally pay off my credit card in full every month when it comes in, over Christmas I forgot all about it and realised 2 days after it was due. I rang them straight away and paid it in full, I asked if I would be charged and was told that I would incur a £12 fee. When I got my next bill and got the £12 plus another £45 in interest!! I rang them up and they said they could waive the interest, but as a gesture of goodwill as i've always paid in time, she would waive the interest next month, I queried this and she said that as I have gone over the interest free period, interest would be applied again next month?
So........ my question is, how do I go about getting the money back or is just my own stupid fault?
Thank you in anticipation.:j

Astaroth

Basically, own stupid fault as you said at the start

I forgot

£12 is at the limit the OFT believe to be reasonable charges

Would recommend setting up a DD for at least the minimum payment to avoid future charges.

liz23_2

Thankyou for your fast reply!:)

iosullivan

can you use the bank letter template to send off to credit card companies as well?

Astaroth

Given you are trying to argue law then surely you should know? If you dont understand the content of the letter you are more likely to look a bit of a .... than anything else.

The argument of £12 being reasonable based on the OFT findings actually only applies to credit cards, the OFT are still investigating current accounts and loans

mackers8923

iosullivan wrote:

can you use the bank letter template to send off to credit card companies as well?

Thats what I asked at the start of this thread and I was answered yes. As yet no reply of course from Capital One but I can only live and hope!

mackers8923

Astaroth wrote:

Given you are trying to argue law then surely you should know? If you dont understand the content of the letter you are more likely to look a bit of a .... than anything else.

The argument of £12 being reasonable based on the OFT findings actually only applies to credit cards, the OFT are still investigating current accounts and loans

Yeah £12 for a computer to auto print off a letter with x,y and z on it fire it in the postal bucket and kick it out to you....

I wonder what the average person spends in letters and postage trying to reclaim charges?