Capital One

cowbopper

k1mmie wrote: »

Sorry if this has been asked previously.

Can I claim all the £12 fees back? As I notice they now charge £12 twice each month, so either way they get their full charge in.

I wrote requesting charges including £12 back to the sum of around £650 back and they wrote saying ususal £12 is in acceptable fee and will only refund the difference and offered £32 back.

Obviously I will write refusing this. Do the courts have an acceptable level. i.e.£12? Or will I get it all back.

How long are FOS taking at the moment??

The FSA said that if they charge no more than £12, then they wouldn't investigate. Doesn't mean that £12 is legal. So keep going, you WILL get your money

new_mum_again

cowbopper wrote: »

The FSA said that if they charge no more than £12, then they wouldn't investigate. Doesn't mean that £12 is legal. So keep going, you WILL get your money

Totally agree, I got back all my £12.00 payments, I applied in June, Got the usual, we will not be paying letter, then was ill, so didn't bother for a while, then started MCOL which was acknowledged on 31st July, Then 5th August, got a letter saying it will all be paid including interest,
These were all £12.00 payments.
Good luck, and keep going.:money:

evans17

Sorry if it has been posted in here before but how long does it take from accepting an offer to Capital One actually sending out a cheque??

TANZARELLI

evans17 wrote: »

Sorry if it has been posted in here before but how long does it take from accepting an offer to Capital One actually sending out a cheque??

Usually within a couple of weeks but it varies.

sitcom123

Hi, wondered if anyone could give me some advice please. would i be able to claim late payment charges back from Capital One Credit Card?? I have looked at statements from my last 3 years and I have been charged around £400. Does anyone know what Capital One are like about repaying charges???

cowbopper

Provider: Capital One
Amount Reclaimed: 1137
Amount they paid: 1137
1st Letter: 16.06.08
Reponse recieved offering £319
2nd Letter: 09.07.08
Final response recieved saying original offer will not change
MCol Initiated: 28.07.08
Capital One paid up: 18.08.08

thriftymomma

Well done Cowbopper!

brightonman123

fao any successful claimers- do cap1 deduct any claim from your balance, or send you a cheque?

brightonman123

am curently doing claim for £548 + interest (current balance £1400- that may have extra charges added since, no statements recd since card was cancelled..)

a/c was sold onto lowell JUST after i was sent copy statements.. Lowell and their heavies have been writing, threatening court action, bp etc..

what is best way to tell them to 'cool their jets', pending a claim- and should that go to cap 1 (do i use same address where copy statements came from?), or to lowell (and/or their dca..)

brightonman123

PS- or an email address- want to copy cap1 in on a complaint to their various bully boys..:beer: