We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Bank Charges on a Default Account

Options
Sazzle0411
Sazzle0411 Posts: 1 Newbie
in Reclaim bank & credit card charges
Heelllpp! I have written to Capital One to claim back my credit card charges. Today I have received a written response from them stating that they will not refund my charges as my account has been in default? Before I send the next letter I just wanted to know if this is correct. Am I unable to claim because of the default or shall i send the letter threatening court - any help will be much appreciated. Thanks xx

Comments

  • Annisele
    Annisele Posts: 4,835 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    There's no automatic right to get credit card charges back.

    Did you actually default on the account? If you did, then even if the do owe you money (which I'm afraid I doubt) they'll be allowed to knock what they owe you off what you owe them.
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244K Work, Benefits & Business
  • 598.9K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.3K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture