Capital One

emilie03

recieved letter offering charges to be reduced to £12.00 and offering difference refunded onto card

of course i wont to refuse, what do i do next?

thanks

pigsmightfly

emilie03 wrote:

recieved letter offering charges to be reduced to £12.00 and offering difference refunded onto card

of course i wont to refuse, what do i do next?

thanks

Either telephone them or write to them saying you do not accept their offer and give them 7 days to get back to you. If they don't just carry on with your claim as normal

SonnyCash

I had an interesting and very straight talking telephone call with the complaints department today on 0800 9525102.

I received the response to my first letter requesting charge refunds dated 5th march. I phoned up to see what had happened to the response to my second letter (I'm sticking tight to deadlines and sent that out on 2nd March) and apparently a reply to that was also sent out on 5th March (!).

The complaints exec read the reply over the phone and they are offering me part payment of £112 for my £295 claim. He basically said that judging by the way I was talking he could tell that I was not going to except this offer and that I should take them to court straight away - rather than waste time sending a response and then Cap1 sending back another response. (He mentioned that he and his colleagues have also been reading upon website forums as well as the public so he knew the direction this conversation ill be going)

If he had his way he would settle the full amount now but they are under strict procedures. He did say he would check with a manager to see if he could settle over the phone - the manager said "no".

SO MCOL here we come - my first one!

glendo90

I have a moot question.

I realise that a DSAR request only goes back six years, but what if you have kept statements further back than this (I'm sad - I know) and have charges dating back to 1999!!! Can you claim back this far? Surely the unlawfulness remains despite the age. I have just sent my first letter off to Capital One listing all my charges on there - they amount to over £500 with interest.

glendo90

I have a moot point.

I realise that a DSAR request only goes back six years, but what if you have kept statements further back than this (I'm sad - I know) and have charges dating back to 1999!!! Can you claim back this far? Surely the unlawfulness remains despite the age. I have just sent my first letter off to Capital One listing all my charges on there - they amount to over £500 with interest.

DampProof

consnmattsmom wrote:

Got letter from them yesterday. Claimed £248 they repaid £88 straight back to card so not an offer. Want to try for rest through MCOL do need to notify them first as they have credited some back or shall I just go ahead?

Take the money credited and then send them a letter claiming the remainder. You will not get the rest back until you submit court papers. They may initialy defend. A week or so later you will receive a long rambling letter advising you they will settle.

Get the paperwork and copies of all correspondence and file with your local County Court. Will cost you £30. (Which you claim on the form)

Sooner you get the paperwork in, the sooner you will get your money back

Hope this is helpful

mackers8923

I have now sent Capital One a 4th Letter thanking them for their offer but not accepting it and in the last few moments have started the mcol process.

Roll On Roll On

consnmattsmom

I have noe completed the MCOL to request the rest. Do I need to write to Cap One nformng them or shall I just let court do the work now?

mackers8923

consnmattsmom wrote: »

I have noe completed the MCOL to request the rest. Do I need to write to Cap One nformng them or shall I just let court do the work now?

They will get notice of the court action anyway, however by giving them notice that you have gone to the court stage may increase your chance of an early offer!

Thats the only reason why I have sent them a letter saying yeah thanks but no thanks, I'm going to court....

pigsmightfly

consnmattsmom wrote: »

I have noe completed the MCOL to request the rest. Do I need to write to Cap One nformng them or shall I just let court do the work now?

I would just leave it up to the court now - they've had their chance to deal with you