Capital One

lornao1

montgomery44 wrote: »

Hi

I have sent my first letter to Capital One requesting my charges be paid back and I have received a letter of goodwill, reducing the fees added to £12 and advised that £88 will be returned to my account. This is far less than what I was claimimg for. Can anyone please advise what I say in my next letter rejecting this. Do I give them 14 days to pay back the full amount and threaten court if no payment made. Can anyone help?

Many thanks

HI I HOPE THIS HELPS
I SENT THIS LETTER LAST WEEK

I refer to default charges applied to my account amounting to £XXX, which i requested you pay back

I wrote to you on DD/MM/YY making the original request for a payment in settlement of my claim. I will accept without prejudice the offer of £XXX but am writing to inform you that I intend to claim the full amount claimed together with interest up to the date of judgement and court fees in the proceeding through the county court

This is based on the Unfair Terms in Consumer Contracts Regulations, as I believe these default charges are unfaie and not proportionate to your costs, and therefore the court will rule in my favour,

I have attached a full schedule of the charges with this document.

I look forward to a full response to this letter within 14 days, otherwise I will commece court proceedings to claim my money

Lorna

k1mmie

They always hold out till the very last - so make your mind up early whether you intend to take the FO route ot the court route. Once they send their letter offering their measley difference between £12 and £20 that is their final offer. You then need to take it further, but once you have that letter you can take it to the FO. It costs the bank £400 every time the FO decide to take on your case and do an investigation. No company likes to be investigated and therefore tends to make an offer at this stage. Good luck!

princesskez26

Have filed my MCOL today against ignorant capital one, i've gone through all the letters requesting my money back and had no offer nothing from them. I'll see how I get on when do they usually pay out ?

Kez

Beate

In our case they waited till the last possible moment, pressed the Defence button then send us a letter saying we will send you a cheque for the full amount within 14 days and have defended the claim on the basis that we have paid you. Bit cheeky as they hadn't actually sent payment yet, but it did arrive within 14 days, which is when we cancelled the court claim.

Ashelee

becksta22 wrote: »

have u heard anything from the court yet???i havent. hope it has been filed and it cums throught soon

Hi Becksta

My claim was acknowledged 06/07 according to Money Claim Online site.. nothing through the post to confirm in writing yet though..

How bout u?

kenbear37

I have just received a letter from Capital One confirming they are going to refund all my charges with interest and MCOL Fee, as I have no balance they are sending me a cheque.

I followed Martin's guide to the letter, got the usual offer of the difference between £20 old charge and new charge which i declined. Filled out my MCOL application which was acknowledged on 22 June. Letter was dated 4 July...so hang in there guys its worth it

£416 back which is going against paying off other cards and my pursuit of refunds from MBNA (x3) and Nat West (x2).

My one question though and I think I know the answer - should I wait until I have the cheque before cancelling the MCOL ???

johnnynonails

hi ken think i would wait till u had the cheque and maybe wait till its cashed thats wot im going to do jill

katscash

:mad: crap one has finally settled with me but they havn,t removed default i had requested, should i carry on with court action as they have put a defence in now? :rolleyes:

beckied

Hi
I wonder if someone can help me? I have had a letter of the court this morning saying that cap1 have paid up and do i wish to end the claim basically in as many words BUT i still havent recieved my cheque , i recieved the letter of cap1 saying they wasnt admitting liabilty but we will pay you your money in 10 days i got that letter last friday.
What do i do about the court?
Thanks in advance
Beckie

sueellise

I made a claim to Capital One for £479, this included interest. They have sent me a letter this morning saying they have now lowered their charges to £12 late payment fee and they are willing to refund me the difference of the £20's that I've paid. They have credited my account with £122. What should I do now? I dont really want to accept these charges but dont see how I can send them the next template letter. HELP PLEASE SOMEONE?