Capital One

Cahoot_hater

I have sent my claim of to capital one yesterday first class recorded, I 've incurred charges of £612.61 on a £500 limit over six years and I want back every penny of it. they now have 13 days to respond and counting.

Back to my earlier post I did receive my statement 5 days after I requested it online and i didn't even have to pay £10. Didn't even get a letter or anything with the statements just the statements in a envelope.

Cahoot_hater

turboshandy wrote: »

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....

£48.....:mad: that takes the !!!! m8, take it all the way!

cathdance

Hi

I accepted an offer from Capital some months ago now, i have been ringing but takes me ages to get through as it is to a foreign country!!

what should i do next?

All advice welcome.

Thanks

Cath

natweststaffmember

was it verbal or written?
Have you had to send something to them confirming the acceptance?
Have you kept a copy?

VLADTHEIMPALA

Capital one sent me a list of charges since 2002, but March 2003 to November 2006 were missing. I wrote back, they apologised, and then sent me exactly the same. I wrote back, they sent me exactly the same - three times. I started in March. If I go to the court will they make Cap 1 pay everything? What worries me most is that the court fees are based on the amount you reclaim. If it's £450 for 2 out of 6 years, I don't know what the total might be, maybe over £1,000.oo. Anyone else had this or got any advice? Thanks.

smashedbooboo

Yes i have had the same experience with crap1. I eventually got there in the end. My charges were over a 1000.00. Court fee was 75.00. I would get back onto them . Do you have the nunber of the reclaim dept for cap1. If not let me know and i will dig it out for you. Dont make a partial claim. You need to get it in all in one go hun x x x x x

smashedbooboo

And dont forget when you take it to court you will be charging interest and you will get court fee back. Also when you have worked out your charges eventually when you have the full list to send letter to cap1 asking for charges back. They will say fooook off, then you can take them to court. x x x x

VLADTHEIMPALA

smashedbooboo wrote: »

And dont forget when you take it to court you will be charging interest and you will get court fee back. Also when you have worked out your charges eventually when you have the full list to send letter to cap1 asking for charges back. They will say fooook off, then you can take them to court. x x x x

Hey Smashed, are you following me? I don't know how you get about this site - have you got an e-bike? I'm not asking them again for the full list, I'm going with the assumption that if I put in the claim stating their failure to provide and Cap 1 roll over they'll have to pay up all charges under the court order including those up to present AND make up any sortfall in the fee I pay - Gnashingwild Anglegrinder did. and yeah, I'm going for interest - had the figures and everything ready, like for all the other cards, for months; just haven't been able to afford the court fees. Now I'm suing a bank a day this week (Citibank were served this morning). Costly, but just watch my £10 a day extra in August - it'll cover me til about xmas.Gillian says hi x

smashedbooboo

Not following you around hun, but i do keep an eye on all the boards you know. x Good luck with claiming hun

cot1198

just spoke to cap1 on the phone they are saying that as I closed my card account more than two years ago they do not have any record of it or my statements for that account in other words they have deleted it and there is no way to get the information back. This cannot be right can it? this account is still showing on my credit report so how can cap1 just lose it