Capital One

Puma21_2

Dear all,

Advice needed!!

I had a Capital 1 card in 2005/6. I defaulted on the card but had approxamatley £400 in charges added to the debt. It was reffered to a company called Lowell Portfolio. I have paid off all the debt to Lowell, and have written a letter to Lowell/Capital 1 asking them to remove the default notice as I never recieved the notice. Now I am wondering should I offer to offset the charges if they remove the default?

Please tell me what you think.

Thank you for your help.

volfram

loobyloop wrote: »

Hi a bit confused on what to do next sent all template letters to cap one and finally got a reply this morning offering 625.00 on a 2000.00 claim i am going to go through fos to get the rest, but do i sign the acceptance form as it says they will judge the complaint to have been dealt with if i sign it.Any advice would be welcomed.Sorry pound sign not working.

Don't sign the acceptance form . do your own letter
I am wrtiting to inform you that I accept the money you have offered as part payment "without prejudice", but that I intend to proceed with my claim for the full amount.
I am going through with a claim against Cap one with the FOS and they are trying to say I signed there acceptance letter as full and final payment. Asking FOS to send me this so called acceptance form.
So don't sign there form. do your own. Good luck it takes time but hold out.

lkava5

Just to let you know ....

Got a letter yesterday saying that Captil One are refunding me all charges (£1406.00 including interest and court fess). Went MCOL route took less than 8 weeks start to finish, go for it!!

johnnynonails

hi all, i know this aint about charges but im just going to see if any 1 has a similar problem which i seem to be having ok i,ll start, now i have 3 contract mobiles wiv 3 now cap 1 seem to have found out 2 of me moby numbers, sum how i aint got a clue how cos i never give any 1 but family and friends me num , now these 3 mobys i have is one for me one for me daughter and one for me son , hubby has a pay as u go , but they keep phonin my number and daughters for him and i dont see why i should let them speak to him on my mobile cos its mine lol any ways they have the house number , but seem to be pestering me , today i got a fone call asking for john and i said who is it and he said it was a personal matter , i told him it wasnt johns phone and i have told them this b4 and they said they would delete my num last time i spoke to sum 1 but the guy called ryan on the phone 2 day said i will get more calls asking for him , would pees me of is how did they get my number in the first place and , is there anyway i can stop them from calling me cheers in advance for any info sorry its so long just getting peeded of wiv cap 1 thanks jill

dearbarbie

sorry if its obvious but cant find the info i want. i sent my letter to capital one on 3rd April with my cheque to request a list of charges. cheque's not yet been cashed, want to know ideally how much longer (or by when i should have a response by)? thanks

mon1o

i think you need to allow a maximum of 40 days for them to send you the info.

salduck

Hiya,
Have been forced to go the financial ombudsman with regards to a claim for £405 against Capital one. Does anyone know my chances of getting these charges back and also a timescale as to when I should hear from The FO??
Cheers In Advance
Sal

salduck

anyone??? any ideas??

hairbrain05

I've also gone to the FO with CapOne.

From reading other posts on here it seems others have eventually been successful although take 3/4months. If you have a look at the Credit Card Success thread you can see some examples!

Fingers crossed for you (and me )

dearbarbie

hi guys, sorry i cant answer your q but just sent my list of charges to cap one and wondered why you had to go to FO?