Capital One

Warriorsith

Hi

I got my statements and have worked out the owed charges, but can someone please supply me with the 2nd letter to inform them I what my money back, I've checked around but failed to spot it.

pigginsexy

Warriorsith wrote:

Hi

I got my statements and have worked out the owed charges, but can someone please supply me with the 2nd letter to inform them I what my money back, I've checked around but failed to spot it.

You need the first letter giving them 14 days (you will find at the top of this thread). Once the 14 days are up you send second letter (giving 7 days).

Just change the letter to read "late payment and overlimit charges".

Warriorsith

And the address is:

Rob Udy
Capital One Services Inc
Trent House
Station St
Nottingham
NG2 3HX

I just want to make sure I get this correct.

pigginsexy

Warriorsith wrote:

And the address is:

Rob Udy
Capital One Services Inc
Trent House
Station St
Nottingham
NG2 3HX

I just want to make sure I get this correct.

I sent mine to the address at the top of my statements (p.o box no), in Nottingham.

mackers8923

pigginsexy wrote:

I sent mine to the address at the top of my statements (p.o box no), in Nottingham.

I did the same as you.

dubgrrl

Hello All

I would be very greatful for some advice regarding claiming back my bank charges.

I started experiencing financial difficulties approx 5 yrs ago and had dd's bouncing, cheques bouncing etc etc and eventually the Alliance & Leicester closed my account . This also happened with a credit card from A&L and one from Capital One.

About 4 yrs ago I started paying a set amount each month to the consumer credit councilling service , to all my creditors. I didnt have any CCJ's but did get defaults.

I feel very sure that a large majority of my debt to banks was made up of charges. They relentlessly continued to apply charges despite many letters from myself and the CCCS saying I was having difficulties and was arrangin a payment plan.

Would it be worth me trying to claim back these charges? I would be happy for them to offset tham against any costs they do feel I owe from purchases etc.

I am going to claim from my main bank account with Natwest which I have not had that many charges with as I didnt use the account a lot at the time.

I feel I am really getting my finances into shape and that it's wrong that I should be paying these extortunate charges back for years to come.

Has anyone any advice or experience on this?

Kind regards

mackers8923

Can someone confirm for me if I'm on the right track with this?

I posted my 3rd letter to Capital One yesterday which according to Royal Mail they got today. It gives them 7 days warning that I plan to use mcol to claim through the courts.

Once I log the claim (Northern Ireland Court) they then have 14 days to submit defence, if they don't I win by default. If they do submit defence they are then given an additional 14 days for further submissons if they don't again I win by default!

Is the above correct? VMT

consnmattsmom

I sent first letter requesting charges back almost two weeks ago and have today received a letter to say that they are looking into the matter and collecting information and I will receive a response within 4 weeks!!!

Shall I just press on with second letter sayng court action after further 7 dys?

mackers8923

consnmattsmom wrote:

I sent first letter requesting charges back almost two weeks ago and have today received a letter to say that they are looking into the matter and collecting information and I will receive a response within 4 weeks!!!

Shall I just press on with second letter sayng court action after further 7 dys?

I have pressed on because 4 weeks down the line is ever closer to the OFT decision which Martin talks about in his most recent video....Almost every thread I have read says stick to your timeline so thats exactly what I'm doing and I think you should also do.

emmaBZ

hi i claiming back of cap 1 for parents....just need to know what i can claim....overlimit fee £20 ?
late payment fee £20 ?
card protect £15 ?
annual fee £29 ?
payment protection ins ?
purchase interest charges ?

if someone could let me know asap that'll be great xxxx