Capital One

eirelav1962

has anyone won with capital one they seem to ignore the charges

techspec

Everyone wins with Capital One if they goto the FOS or court. Full amount + interest is paid. If you goto the FOS first, you dont even need to list the charges - they will make Capital One do the work. Oh, and its free, but takes about 6 months. Court is quicker (just over a month), but you need to work out the full amount and interest, and pay court costs (these will be paid back by Capital One).

eso_3

Sorry to bump my thread but I've just found a different address in the Capital One thread:

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

...and now I'm really unsure about where to send the SAR to.

Does anyone know, please?!

Orford

Data Protection Act Letters:
Legal Compliance Specialist
Capital One Bank (Europe) plc
Trent House
Station Street
Nottingham
NG2 3HX

dragonfly1977

dragonfly1977 wrote: »

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 ...

Received a letter today after threatening to take them to court and their reply was as follows

"We are confident that our default sums are both fair and legal and i'm disappointed to hear you're concidering court action. The OFT hasn't told us that we are obliged to refund any default sums, and we've offered refunds as a gesture of goodwill. I'm afraid that i won't be refunding all of the default sums you've asked.

Financial regulations require me to advise you that this is my final response in relation to this matter. Again i look forward to receiving your signed settlement form so we can put this behind us and save the court's valuable time"


So my question is should i take them to court to reclaim the full amount or go for settlement?

Personally i feel that this is a tactic of theirs in order to put people of going to court but i would be interested to hear other peoples views.

Any response would be much appreciated.

fiveyearplan

Good luck whatever you decide.

borgbaiter

hi


capital one paid up when i started the mcol (moneyclaimonline) process. this seems to be their standard proceedure.


Borgbaiter

skellysgirl

Hi everyone,

i have just received a offer of less than 25%

So can i just go directly to MCOL, or do i have to go to the FOS first, or can i do both ?

What should i do about informing cap one?

I was going to answer their letter with acceptance of the amount with gratitude, but that i will also be seeking the difference of the amount i want through either/both the FOS/MCOL

Is this right ????

dragonfly1977

I'm not sure you can take it as part payment unless your acceptance form is different to mine. It states at the bottom of my acceptance letter that if i agree to the refund this will put an end to the claim and no further payments will be made (or words to that effect)

As far as i know you can go to the FOS and if you are not happy with the result then complete MCOL. If you want a quick result go to down the path of MCOL first as the FOS can take between 6 and 9 months

Hope this helps

skellysgirl

I read on here somewhere that you should accept the payment "without grievence", which i think safeguards the amount they have offered you,
I will be writing this up in my own letter as opposed to their form.