Capital One

angelwillow

Losing heart with FO over Capital One,over 4 months and nothing. Seems like they aren't bothering to reply and FO aren't chasing them up :mad:

techspec

angelwillow wrote: »

Losing heart with FO over Capital One,over 4 months and nothing. Seems like they aren't bothering to reply and FO aren't chasing them up :mad:

If you have not been told your claim is rejected, then have faith.

My friend as just been paid by Natwest, and i have been told the FOS is about to make a ruling as Lloyds have rejected my claim. I am still confident.

Capital One is one of the few claims better done through MCOL, but i am sure you will get your money.

P.S both claims were also sumitted 4 months ago, so hopefully you will hear something soon.

angelwillow

techspec wrote: »

If you have not been told your claim is rejected, then have faith.

My friend as just been paid by Natwest, and i have been told the FOS is about to make a ruling as Lloyds have rejected my claim. I am still confident.

Capital One is one of the few claims better done through MCOL, but i am sure you will get your money.

P.S both claims were also sumitted 4 months ago, so hopefully you will hear something soon.

Thanks for the words of encouragement but I can't use MCOL as I'm in Scotland.
But I take some of it back.........got an offer this morning of £402.35 on a claim of £428.57 so close enough for me!
Just waiting on word about my partners account which was done at the same time. :T

techspec

Cracking result.

They like to knock a few quid off just to make them feel better.

I posted cos i knew the FOS were starting to get on top of things, so i didn't want you to lose heart.

Hope your partner has the same success.

manc

Hi everyone,

I'm up to the point where I need to start MCOL against Capital One but getting a bit stuck...
Sure this had been asked a thousand times and i do apologise!


Capital one offered a part payment of £202 on a claim of £660(plus £179.74 interest). I wrote back saying I would accept this as a part payment but would pursue the further £637.74. They wrote back saying they would not offer more and £202 was all they would give.

Its been a few weeks since then- been moving house and money's been a bit tight so didn't have the £60 to file MCOL. Now that I'm claiming I'm a bit confused.

How do I work out the total I know need to claim from Capital One...

Do I simply take £202 from the £839.74? but then then what do i write in terms of the interest owed?

Or do I take £202 worth of charges off my total then recalculate the interest on that?

Just a bit confused as what to put in the particulars of the case basically...


Worried too as values I claim now will be different to anything I've sent capital one before...

Any hints or help would be great- wanna get this one sorted!!

techspec

manc wrote: »

Hi everyone,

I'm up to the point where I need to start MCOL against Capital One but getting a bit stuck...
Sure this had been asked a thousand times and i do apologise!


Capital one offered a part payment of £202 on a claim of £660(plus £179.74 interest). I wrote back saying I would accept this as a part payment but would pursue the further £637.74. They wrote back saying they would not offer more and £202 was all they would give.

Its been a few weeks since then- been moving house and money's been a bit tight so didn't have the £60 to file MCOL. Now that I'm claiming I'm a bit confused.

How do I work out the total I know need to claim from Capital One...

Do I simply take £202 from the £839.74? but then then what do i write in terms of the interest owed?

Or do I take £202 worth of charges off my total then recalculate the interest on that?

Just a bit confused as what to put in the particulars of the case basically...


Worried too as values I claim now will be different to anything I've sent capital one before...

Any hints or help would be great- wanna get this one sorted!!

I didnt change anything, i claimed the full amount. After all, you don't know for sure that the amount paid will not be taken back (it won't, but thats not the point).

I claimed the full amount and full interest as originally claimed. Capital One deducted the initial payment when they paid up.

manc

Cool- Thanks for that- Definately makes it a bit simpler!

i_like_shoes

I've been offered £152 on a £609 claim (with interest that is). Where do i find the sample letter which says i will except this as part payment etc but will challenge it further ......

Or should i just ask for ...... say........£500 as a full and final offer ????
I'm a bit stuck now :-/
Ya see some of it goes back to 2001 and i'm out of the time frame of 6yrs so i know i wont get back the whole £600.

emmajoe

Hi,

I'm new to the site. This question has probably been answered before. I have filled the online form and paid the money for court against Cap one but what do I do now. Am I right in thinking that they have 14days to defend and therefore I just wait?

Help!!!!

tilley441

can you claim charges back from cap 1 if they are 14 months old