Capital One

johnnynonails

hi me again ,forgot to add this bit ive read wot u have read about the 21 days, does that mean u get a cheque in 21 days, after u have done mcol i hope so, me daughter is going to florida wiv my sis for a month so i could do wiv sum dosh to give to her , jill

k1mmie

Hi Johnnynonails - same thing happened to hubby - made him an offer and when we said we would accept as part refund they sai get stuffed then - you are not even getting that then. So forwarded this on to FO. Let's see.

johnnynonails

k1mmie wrote: »

Hi Johnnynonails - same thing happened to hubby - made him an offer and when we said we would accept as part refund they sai get stuffed then - you are not even getting that then. So forwarded this on to FO. Let's see.

i k1minnie think its strange how banks and credit cards work got a good will jesture of lloyds put into my account of £750 even tho i asked for £5,000 got a good will of mbna of £690 even tho i asked for £1750 , and they asked for me credit card back , nationwide well wont give me owt even tho i asked for £1,000 , cap 1 i think should give u the good will jesture then least u got the money to take ermm to court lmao good luck wiv the fo am just waiting for me money of cap 1 to take the rest to court good luck all gill

beckied

Hi jill
I will defo keep you posted its the waiting that is killing me, I have been told that after 21 days they make you an offer then they send you a cheque 10 days after the offer but they want you to stop court procedings apparantly but nobody stops it until the cheque is though there door.
Which i dont blaim them.
Also i wonder if any one can help me i dont get it lol is it 21 days after the 12/06 when i put in the claim are they making the offer or is it 21 days after the 20/06 when they acknoledge the claim.
I dont understand lol. And i am starting to get a bit worried now as i havent heard anything apart from a letter saying the same amount as what they offerd in the first place saying a final offer take it ar leave it. And if it is 21 days after i put in the claim that would be about now would'nt it.
Thanks in advance.
Beckie

Monkster_2

Hello,

Been lurking for a long while!

Issued a MCOL for £664 back in May and would you believe it, 7 days before the 28 days was up, Capital One have refunded ALL of my claim including court fee to my account on a No admission of liability basis.!!!!!

The funny thing about this is the opening sentence which basically reads

-you've issued a MCOL against us, which has now given me the time & oppotuinity to look at your case properly!- which goes to show......

KEEP THE FAITH

Thanks to everyone on here for their advice :->

Degs45

Hi all just recieved an offer on my closed account £268 and as a goodwill gesture they have added another £20 for any interest incured . My claim is for £764 + £259 interest = £1023...Now if I dont reply to the letter will they just send a cheque out or is it best write back refusing the goodwill gesture . They have given me a letter to sign and post back. Any help greatly welcome ...
Degs :j...is it worth phoning the customer services on the leaflet to negotiate like the (halifax) ?

B_WHEELER

Hi, I sent of for my bank charges quite a while ago and received them within about 2 weeks. I sent my first letter off 2 weeks today asking for the money etc. I rang cap one just before and a nice lady said a letter went out to me yesterday offering £138 ( I am asking for £385) Iam not going to accept this payment so when I get the letter to I send the 2nd letter or shall I just go straight in with the mcol!??? Halifax was so much easier, Just rang them and they give ya your money backl. Also as everyone is asking, my account is closed so how will they pay me,can they pay by cheque?

russbeck

Hi, I'm claiming £620 from Capital One. They have sent me a letter saying that as a goodwill gesture they will refund £116 + £10 interest.

I don't want to accept this but they have already paid the money onto my card. I only sent the letter asking for the charges back a week ago so do I have to wait another week before I can send the letter threatening court action (I gave them 14 days in my letter) or can I just go straight to MCOL because judging by previous posts threatening court doesn't get a response.

If I do end up filing with MCOL I'm confused about how much to ask for. Do I ask for the original full amount or do I take off the money that have already paid me, if I do this how do I work out interest on the remainder.

Hope someone understands my waffle.

johnnynonails

hi russ my hubbys got a cap 1 account still open wont pay anything of it now, even tho they keep phoning , told cap1 taking them to court worked out its £950 didnt add interest, they sent a letter saying as a good will ,give u £296 sent it back saying no thanks i want the full amount havent even had a reply , plus they aint even put it onto the account so just waiting now cheers jill

KT-K

Hi
I had sent off request for statements from Cap One on 13th June. I recd statements and sent my request for refund of all charges on 22nd June. Yesterday, I checked my online account with Cap One and they have refunded £168 direct to my account. My refund request was for £588. Does anyone have a standard letter re accepting this refund as part payment only? Thank you....