Capital One

shamrock7

Skint_Lynne wrote: »

Hi There,

I have had my letter from capital one to say that the money they are offering me is their final offer. I want to take the next step, ie small claims or FOS. I am in Scotland, so I know that the most the small claims court will award is £750.00. I think that I can use the small claims in England but not the moneyclaim service that is available online.

I am after £1200 from them, they have offered £210.

Can anyone help?
Thanks,

Skint Lynne

Put your complaint straight to FOS now and just wait. I did this and successfully got what I was due with Capital One after a similar offer.They are slow but result in the end for me. Good luck

dragonfly1977

I recently applied to Capital One for refund of charges of £772 plus interest of
£140.32. Today i received an offer for £172 plus £10 for interest.

I have decided to take things to the next stage threatening to take them to court but was a bit puzzled with regards to the list of charges i need to include with the letter.

My question is do i need to re calculate my charges with the newly accrued interest or do i claim for the original amount. The interest may have changed slightly as it was 2 weeks ago since my original claim.

Thank you

Cahoot_hater

Thought this might help a few people requesting a list of all default charges applied to your account without the need to pay for £10, register online with capital one with your credit card, in 'Account maintenance' section click on secure messages, scroll down to interest, fees, and charges, and tell them that you want a list of all the default charges you have incurred in the last six years, I done this yesterday and got a reply back saying that they will send me a list of all the charges put on my account in two weeks. I will see if i get the statement in two weeks if not the old fashioned letter is the only way.

turboshandy

I am in the process of claiming £216 worth of charges, plus interest from Capital One. I have just got back a reply from my original letter offering me a 'whopping' £48, that being the difference between my £20 charges and the lower £12 charge which they deem to be fair. I don't think so, 2nd, more threatening letter winging it's way to them now....

ginakizz

does anyone have the address for captail one so that i can my chages back

dragonfly1977

ginakizz wrote: »

does anyone have the address for captail one so that i can my chages back

Capital One Bank (Europe) plc
PO Box 5283
NG2 3YJ

kirsty000

I wrote to capital one to claim money back, all my charges were for £12.00 but they came back with the following:

As your probably aware the OFT hasnt challenged the rights of banks to charge default sums, but merely the amount. Allthough we feel £20 is a just amount we have reduced our default sums to £12. Ive reviewed your account and find that the default sum added to the account were charged at £12. I cannot therefore refund any of these default sums.

Has anyone elce recieved a letter like this? Did you continue to claim? Its for about £72. What should I do?
Thanks

kirsty000

I wrote to capital one to claim money back, all my charges were for £12.00 but they came back with the following:

As your probably aware the OFT hasnt challenged the rights of banks to charge default sums, but merely the amount. Allthough we feel £20 is a just amount we have reduced our default sums to £12. Ive reviewed your account and find that the default sum added to the account were charged at £12. I cannot therefore refund any of these default sums.

Has anyone elce recieved a letter like this? Did you continue to claim? Its for about £72. What should I do?
Thanks

karmour

I had a Capital One card and closed the account over 3 years ago. I can't remember the full details of my account but I was definately charged alot in penalty fees etc. Last week I received a letter from Capital One saying that they owed me £20 !! Apparently when I closed my account 3 years ago I overpaid by £20. When I called them about this matter I asked if they were going to pay me £25 a week late payment fee for having my £20 for the last 3 years, they laughed, said no and sent me a cheque for £20. I have not cashed the cheque because I feel I have a right to either claim back all my charges that I paid them or ask them for either interest/ charges on my £20. What does anyone else think. Is it worth fighting??

eso_3

Hi,

I'm going to make a Subject Access Request to Capital One but I'm not sure which address to use as I've found contradictory information in previous threads and also on a different forum.

This is the address that Capital One have registered on the Data Protection Public Register (which apparently is the one I should send the SAR too):

CAPITAL ONE BANK (EUROPE) PLC
350 EUSTON ROAD
LONDON
NW1 3JJ

But I've read that people have sent their requests to this address instead:

Capital One Bank (Europe) plc
Trent House
Station street
Nottingham
NG2 3HX

Does anyone know which is the correct one to use?

Also, I read that Capital One do not charge the £10 for this, is this true or should I just include the £10 anyway?

Thanks a lot for any help.