Capital One

brightonman123

If you can afford to wait, then the FO carries more weight (sorry, pun unintended)- the card co's will be 'scared' into doung something..

and i reckon it doesnt look good for them, if they go against any FO judgement / recomendation,,?

keitha100465

fiveyearplan

My first letter asking for repayment of charges was sent on 24th October 2007. I referred my complaint to Financial Ombudsman on 9th December. Received letter from FO advising Capital One were offering me full charges plus interest on 8th February.
Should get cheque from Capital One within 6 weeks - . Will be another complaint to the FO if they dont pay up within the six weeks.

hopeless_case_2

if you had done it on your own you would have been paid out by now!!!!!

gax23

Hi all,

I tried reclaiming money back from CapitalOne which included every £20 and £12 fee they've charged me. They replied saying that the only offer they'd make was £64 (the total of the £8 differences, so every charge is now reduced to £12). I replied, rejecting this offer, and got another response today saying that the offer is still open but that it will not be raised or improved upon. The next step is to take it to the Ombudsman and to court. Do I have a case for doing so or should I just accept the £64? The total I originally asked for was £208.

johnnynonails

gax23 wrote: »

Hi all,

I tried reclaiming money back from CapitalOne which included every £20 and £12 fee they've charged me. They replied saying that the only offer they'd make was £64 (the total of the £8 differences, so every charge is now reduced to £12). I replied, rejecting this offer, and got another response today saying that the offer is still open but that it will not be raised or improved upon. The next step is to take it to the Ombudsman and to court. Do I have a case for doing so or should I just accept the £64? The total I originally asked for was £208.

hi if u do mcol , ull get all ur money back sooner than going threw the ombudsman so i would go for the full amount cos u will get it all back , good luck jill

Tozer

johnnynonails wrote: »

hi if u do mcol , ull get all ur money back sooner than going threw the ombudsman so i would go for the full amount cos u will get it all back , good luck jill

ASSUMING the test case is won by the OFT. If not, then the Court will rule against you and you will have wasted your issue fee.

loislaney

But doesnt the OFT case only count for banks at the moment?

gax23

Has anyone here claimed money back from Capital One? What did you do?

Tozer

loislaney wrote: »

But doesnt the OFT case only count for banks at the moment?

Exactly the same principles.

Jo_F

I claimed from Capital One, they offered the difference between the £20 and the £12, I held out, issued the court papers and they gave in and gave me back the full amount plus interest.

The court case as the moment doesn't deal with credit cards, so it's ok to carry on with the claims