Capital One

brightonman123

go to the reclaim £000's section on main site, then scroll down..

hectic

Hi, basically I have been offered and accepted £374.00 from Capital One :j - received a cheque and paid it into my bank. However, I was told by my bank that the cheque has bounced because of insufficient funds :mad: , what is going on!! I have been given the runaround yesterday by them and kept getting cut off. Finally I got through only by using my husband and his still active account - they have promised me a phone call on Monday with an answer. However, I was wondering what the next step would be for me - do I go to the FOS to reclaim this mutually agreed amount? Any advise would be greatfully received.

borgbaiter

hi

capital one bounced a cheque due to insufficient funds !!! wow this should be national news surely.

did they pay (try to pay) the total of your claim or was it a reduced amount? if it was reduced id reject the offer and take them to court for the whole amount.

i would not do anything further by phone and only comunicate with them by letter. the fact they attempted to pay shows their laibility.


Borgbaiter

claire1234

hiya,
ive been offered £154 by cap one i sent the second letter and a letter came back for the same amount, should i just accept or would it be worth it to go though the fos?

thanks guys

phantom44

hi i have asked capital one to refund my charges off my c/card the sum of £1350 since jan2003 they have not replied to me and the cut off date was yesterday,
question 1
i am now filling in a small claims form for my local county court can any person tell me what % interest should i enclose with my claim and can i claim the court fees back
any advice would be welcome
regards phantom44:money:

kenbear37

phantom44 wrote: »

hi i have asked capital one to refund my charges off my c/card the sum of £1350 since jan2003 they have not replied to me and the cut off date was yesterday,
question 1
i am now filling in a small claims form for my local county court can any person tell me what % interest should i enclose with my claim and can i claim the court fees back
any advice would be welcome
regards phantom44:money:

I've claimed off Cap One - it was only when I did the court bit that they responded, as for Interest use the one on this site thats used for the Bank Charge Interest.

Do a search on the main site you will find it no problem

brightonman123

may be worth sending a 2nd letter (recorded delivery- best wait til after the xmas rush..?), warning of court action, to show you've tried contacting them.. and maybe get some result before spending out on court fees..

phantom44

hi had a letter off capitalone today offering a refund of £8 per charge which totals £400 +£35 interest
question my claim is for all charges being £1364 and any interest involved
do i accept this or still apply to the court for all fees to be repaid
there offer would clear what i owe them
any advice please
regards phantom44

gingerkitten

Hi Phantom44

Did you claim all the charges including the £12 ones? Where does the £8 come from?

phantom44

yes all the charges £20 and £12 late payments & over the limit fees