Capital One

GarethR

GarethR wrote: »

Ok all here goes...

For those of you that are claiming your late fees and/or over limit charges back from Crap 1, to ensure you get all your cash back plus interest you must file with MCOL.

This is the best way forward, I appreciate that a few people have already gone via the FO as you don't have to cough up any dosh but to be honest the FO just drag their feet now. From what I have read so far throughout the whole of this thread, yes thats page 1 to 71, is that anyone who has filed with MCOL has got their cash back, plus interest & court fees. Granted not everyone has or can afford the MCOL fee but if possible, beg, borrow or er yes the other that I cant condone

Here is a little breakdown of procedures, dates may vary but not by much:

1. You request statements, you usually get them within a week
2. You send letter asking for fees, they make a poor offer in about a week
3. You send letter saying I want the lot, they say no thats it about a week
4. As soon as you get the above, you file with MCOL, it is served
5. They have 5 days from being 'Served' to 'Acknowledge' claim
6. They 'Acknowledge' your claim, you wait 28 days from 'Served' date

This is where it can vary:

7.
i - They enter defence just before 28 days are up but send letter offering full amount around about same time
ii - They dont do anything & you enter judgement, give it a couple of days then chase it up! (Im not 100% on the 'Judgement' bit but Im sure I will be.

Either way you get your cash!

I sent my initial request for statements on 8th June (step 1) it was 17 July by the time I got to Step 3, I then waited 10 days as I didnt have a spare £120 for the MCOL, I filed MCOL on 27th July, they acknowledged & I am now waiting for the 28 days to expire.

You may think how can i be so confident, simple, I read what other posters have said! :rotfl: :rotfl: :rotfl:

Finally, those of you who have accepted part payment etc dont worry just file your MCOL for the full amount & they will deduct what they have already given you from your total. Let them do the math!! Whats the worst that can happen, they take the x amount you already had, it wouldnt get thrown out or anything they would just say, oi you had that few bob already so we work it out you're owed blah!

Cheers
:beer:

Those of you who have had your accounts passed to Debt Recovery Firms will need to pay the DRF fully before you get any remaining cash but just think, even if every bit of the cash goes to clearing a debt, its one less you have to pay & what you would normally be paying monthly now goes in your pocket!

If you're still struggling drop me a PM (click my name)

If you didnt get your cash back via MCOL from Crap One I will happily hold my hand up & say oops I missed that post but 99% of success stories for Crap One via MCOL have been a success!

:j

Just thought I would update you all...

Got home from work today to see a letter from Crap One saying we dont agree with what you are saying but here have the £1220 you claimed cos we dont want to go to court!!

So it is safe to say I am just like the majority & got ALL my money back including MCOL fee. Now I just wait for my cheque, woohoo!!


:T :T :T :T :T

Wiggynut

k1mmie wrote: »

Could someone please tell me how much a charge for MCOl would be for a claim of £260????

As I send before - £30

k1mmie

Thanks Wiggynut - get onto that one next!!!!!

alison999

Capital One have just wrote to me offering me £252 - they "owe" me £680 - tonight ive just written back saying no thanks but ill accept £400.00... fingers crossed!!!!!

Degs45

Angry_Gazza wrote: »

Cheers for the answer Hughie278, i thought that was the case, just like to be extra careful with this process.

Just done my mcol 15 mins ago..

Time to keep fingers crossed for me and you eh degs, your a few days in advance of me...All the best.

Cheers mate ..
I'm still waiting for a refund from MCOL cos I messed up the first one .. .:rotfl:

techspec

refundmeplze! wrote: »

Just to put peoples mind at ease, I have had a letter off Crap1 today saying that they will pay up!!Yippee.
They say that they have 14 working days to send me cheque anyone know how long that cheques take to arrive? I am off to Oz for holiday in a month or so and this money has really helped my spending fund!! Thanks to this site and martin!!!! Good luck to everyone claiming, YOU CAN DO IT!!!!!!

Nice one!!

Mine was paid into my account, and took 21 days.

My friends was via cheque, and took exactly 14 days. :j

advent

GarethR wrote: »

Just thought I would update you all...

Got home from work today to see a letter from Crap One saying we dont agree with what you are saying but here have the £1220 you claimed cos we dont want to go to court!!

So it is safe to say I am just like the majority & got ALL my money back including MCOL fee. Now I just wait for my cheque, woohoo!!


:T :T :T :T :T

Well done GarethR
Wish mine was as easy!!
I know they owe me money!
I know I don't owe them money!
All I have to do is convince them that my full & final settlement with NCO means my a/c with Cap1 is zero'd and I should get my money back by cheque to me!
Easy then!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!:rolleyes:
I wish!

Dave_Richardson

:j :j :j :j

Got a letter today from Crap 1, usual stuff we will pay the full amount of £742.15 as we don't want to go to court.

What is even better that this is my second acc with Crap 1, I got a similiar letter last week re my 1st acc saying the same thing and offering the full amount of £896.15 on that acc.

Now to tackle them on the PPI issue:T :T :T :T

Good luck to all others claiming, keep at it they cave in at the end

Dave R

LMbanks1

Please no one hit me with a big stick if this has been answered. I am claiming back £763 charges on a closed account I have with Cap1. I sent the first letter and got no response and sent the second letter telling them that as they hadn't acknowledged my letter, I would take them to court within 14 days. I got a letter back this morning saying that they think their bank charges are fair but as a gesture of goodwill they are willing to offer me the difference between £12 and what they actually charged me. So they're now offering me £262.

Did anyone else get a letter like this and what did you do? :rolleyes:

xxx

LEE69_2

Just ask them for the statements of your closed account,you can do it by phone.