Capital One

johnnynonails

sorry about this second post that doesnt make sense in sum places me last post right both mine and hubbys acknowledged on mcol and both of them havent changed jill

toffeetommee

Can anyone advise me - absolute greyhaired beginner on posting threads !! Have £40,000 of debt to banks and credit cards and now on a monthly repayment plan with CCCSL. Can I fight to recovedr the charges which pushed these debts up to this dreadful figure and can I ask them to deduct the charges if successful off my debts ?

advent

toffeetommee wrote: »

Can anyone advise me - absolute greyhaired beginner on posting threads !! Have £40,000 of debt to banks and credit cards and now on a monthly repayment plan with CCCSL. Can I fight to recovedr the charges which pushed these debts up to this dreadful figure and can I ask them to deduct the charges if successful off my debts ?

We've all been beginners at one time toffeetommee, but with the help from this site we can all win against the big boys!:D
In answer to your question, yes you can claim back the last 6 years of charges and yes they will be paid against your debts and, you CAN win against the banks. I won against Nationwide. I have Balck Horse pending and am half way through with Capital One. :j Follow Martins guides and use the templates. Include interest (use Martiins calculator) and take revenge for the problems they've given you!:rotfl:
Good Luck. Hope that helps.

katiekittykat

Well i got my statements yesterday and totaled it all up.

Am sending my letter today to claim £256.54.

Wiggynut

<TABLE cellSpacing=1 cellPadding=0 width="95%" align=center border=1><TBODY><TR bgColor=#ffffff><TD width="18%">Capital One Charges</TD><TD width="18%"> Capital One</TD><TD 20%?> Unavailable</TD></TR></TBODY></TABLE>


I've just checked mycol and it has the above message - does anyone know what it means... it's been like this for 3 days now! I got the first piece of paperwork from mycol for this claim so I'm hoping it's just the website?
I couldn't get through on the telephone number for mycol so thought I'd see if anyone knew the answer on this site.

thanks

freddy1

Hi all
Can anybody tell me what to do know. I was charged 300 by cap one credit card and they offered to repay me 170. I wrote back declining this and asked for the full 300 and to remove the default notice too.
I have now received a final letter of refusal and they qoute that the fsa havnt made it law to repay this money and that they offered 170 in good will..
Do i now proceede with court action or accept 170 . If i do proceede with court can i still ask for the default notice to be removed..

any advice will be apreciated

thanks

Ashelee

Just checked my account a la tinternet and it shows that im back with a full available balance, shows my court cost refund, late fees refund and unauthorised fees refund and then a credit!!

Got the full amount plus interest and court cost!!

Well done Capital One.. although it took you a while to get round to giving me my money back!! going to book my wedding in Florida tonight!!! hay!!!

MCOL is not going to be cancelled until I get the cheque and funds are safely cleared in my bank account!!

Ash

maximus0983

if you use some of the money that they put back on your card but still send them a letter saying that you dont accept the charges and are filing a court claim does it mean that you have accepted them?

Captain_Money

Hi gang,

Got a letter only this morning offering, only part of the claim. They are offering me £308.00 which includes £20.00 they acknowledge I MAY have incurred!!

I am actually claiming £506.00 & £118.85 interest, totalling £624.85.

I'm starting to get a little nervous and am tempted to snatch & run.

What do you reckon guys, Barter or Scarper as they say?

Captain 'M'

k1mmie

Captain_Money wrote: »

Hi gang,

Got a letter only this morning offering, only part of the claim. They are offering me £308.00 which includes £20.00 they acknowledge I MAY have incurred!!

I am actually claiming £506.00 & £118.85 interest, totalling £624.85.

I'm starting to get a little nervous and am tempted to snatch & run.

What do you reckon guys, Barter or Scarper as they say?

Captain 'M'

You can't claim the interest unless you go to court. It is not the worst offer they could have made - it depends on how you feel about pursuing through Fo or court, because they will not pay up willingly. Going through FO myself with Crap1.