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Capital One

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Comments

  • cowbopper
    cowbopper Posts: 33 Forumite
    Part of the Furniture 10 Posts Combo Breaker
    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
    new_mum_again Posts: 190 Forumite
    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:
    I miss my mum every minute of every day :cry: R.I.P xx
  • evans17
    evans17 Posts: 73 Forumite
    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
    TANZARELLI Posts: 130 Forumite
    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
    sitcom123 Posts: 362 Forumite
    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???:confused:
  • cowbopper
    cowbopper Posts: 33 Forumite
    Part of the Furniture 10 Posts Combo Breaker
    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
    thriftymomma Posts: 1,107 Forumite
    Well done Cowbopper!
    Got Halifax Classic to reduce my interest rate by 5% woohoo - 10/06/08 Thanks MSE!
    Another 3% shaved off 10/12/08
    ANOTHER 4 % June 09:beer:
  • brightonman123
    brightonman123 Posts: 8,535 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    fao any successful claimers- do cap1 deduct any claim from your balance, or send you a cheque?
    Long time away from MSE, been dealing real life stuff..
    Sometimes seen lurking on the compers forum :-)
  • brightonman123
    brightonman123 Posts: 8,535 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    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..)
    Long time away from MSE, been dealing real life stuff..
    Sometimes seen lurking on the compers forum :-)
  • brightonman123
    brightonman123 Posts: 8,535 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    PS- or an email address- want to copy cap1 in on a complaint to their various bully boys..:beer:
    Long time away from MSE, been dealing real life stuff..
    Sometimes seen lurking on the compers forum :-)
This discussion has been closed.
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