Capital One

FrankieM

OK,
Going to send off the letter saying..not happy with £48, please pay in full or I will take you to court...

Notice that on the letter I have to put in the name of the court...how do I find that out?

pigsmightfly

FrankieM wrote: »

OK,
Going to send off the letter saying..not happy with £48, please pay in full or I will take you to court...

Notice that on the letter I have to put in the name of the court...how do I find that out?

I always left that bit worded as county court or local court - don't worry about the name

jellybugs

Very quick!

Had to send another initial charges refund letter only 2 days ago as the 1st one went to the wrong address:mad: ...received a reply today with the usual stuff and have offered me £157 out of the £435 I was looking for. Could do with the money right now but that is still a big difference in amounts!

pigsmightfly

jellybugs wrote: »

Very quick!

Had to send another initial charges refund letter only 2 days ago as the 1st one went to the wrong address:mad: ...received a reply today with the usual stuff and have offered me £157 out of the £435 I was looking for. Could do with the money right now but that is still a big difference in amounts!

Tell them you will accept the £157 as part payment but you intend to carry on your claim for the full amount :rolleyes:

mum2one

smashedbooboo wrote: »

Hi barclay card have refunded automatically £422 TO MY ACCOUNT although the charges are way more than that. Also another letter came today to say they have reduced my credit limit from £700 to £290. Which after them putting in refund of charges that is what is left on my account. Should i go for the whole lot. Am sooo gutted. Mind you i feel like cutting up the card and sending it back. Think i will anyway Anyone else had this happen to them

Hi.
if you accept the £422 that they put on your account, it effectively closes the claim and you wont be able to put in a claim for the remainder, you could refuse the money, but as they have reduced your credit limit( highly suspicious, but they are within there rights to), if you refuse the money there is a possibility that they could charge you over limit fees each month.

if you do accept the payment, the cliam is then effectively closed, but if you do decide to proceed, just report the matter to the financial obsbunmen and office fair trading, as barclays are using big brother tactics and putting you in a position that could cause you more expense.

Would it be worth cutting and running, as some money is better than none at all, it depends on how far you are prepared to go.

I settled with capital one for £140, which was the difference between £12.00 and what I had been charged, as i had enuf of it, but with barclays im sticking to my guns.

Good luck. x:rolleyes:

jellybugs

pigsmightfly wrote: »

Tell them you will accept the £157 as part payment but you intend to carry on your claim for the full amount :rolleyes:

Thanks! is there a template letter I can use for declining (without prejudice of course!).

Jellybugs x

frugalpam

Just rang Capital One for full statements going back to August 04 when I opened the account - they said they will send them in 10 days, free of charge!!

Pam

PS Edited to add... not holding my breath that these statements will actually arrive in 10 days....

tractorgirl_2

Rang Capital One on 6th Feb said they would send me statements within 7 days still waiting !! last time i spoke to someone, said i would definately get them but they are having to employ more people to deal with requests and would be another 21 days . anybody else still waiting??

Greggie

tractorgirl wrote: »

Rang Capital One on 6th Feb said they would send me statements within 7 days still waiting !! last time i spoke to someone, said i would definately get them but they are having to employ more people to deal with requests and would be another 21 days . anybody else still waiting??

Yep, still waiting for my husband's statements we ordered over 6 weeks ago...!!!!!

Greggie

jellybugs wrote: »

Thanks! is there a template letter I can use for declining (without prejudice of course!).

Jellybugs x

Hi Jellybugs,

Did you get a reply to the template letter? I have been offered 280 of a 900 pounds claim that I too want to reject but cannot find a letter?

Pigsmightfly any ideas??