Capital One

nikita1230

thank for the reply. so do you think capital one will give me all the money back then and should i keep the cheque

Tanya_W

Hi There, I have just recieved my statements form Capital one. The cahrges I am trying to reclaim total £328 including interest. Do I send the letter requesting the refund to the legal compliance address as I dont have a local branch like I do with my bank.

Thakyou for your time
Tanya xxx

kashie

Thanks for that much appreciated will compose a follow up letter straight away.

Thanks again

Kashie

markymoomoo

you might be better off calling to reject the offer and they may offer you more over the phone, this seems to be whats going on...

cbrman1980

Hi there everyone,

I could use a bit of advise, I have had no response from Cap. 1 after my 2nd letter (accepting part payment, still claiming the rest). As I live in Scotland, do I make a claim through my local court, or can I do it on the MCOL website as the company is from England.

I might be being a bit thick with this, but better to be safe than sorry. Still had no response from NatWest what-so-ever, so I will have to do the same with them.

:beer: Cheers,

Duncan

pigsmightfly

cbrman1980 wrote: »

Hi there everyone,

I could use a bit of advise, I have had no response from Cap. 1 after my 2nd letter (accepting part payment, still claiming the rest). As I live in Scotland, do I make a claim through my local court, or can I do it on the MCOL website as the company is from England.

I might be being a bit thick with this, but better to be safe than sorry. Still had no response from NatWest what-so-ever, so I will have to do the same with them.

:beer: Cheers,

Duncan

Hi Duncan,

As I don't live in Scotland I am unable to help but I have put the link to the thread for people claiming in Scotland.

Hope this helps

http://forums.moneysavingexpert.com/showthread.html?t=308885&highlight=reclaiming+in+scotland

CazW_2

Have just called to be told I need to write to them!!

Do I just address it to the person whome the letter was from?

Elmaxo

Back in 2005 began a new job, less money but regular pay etc from what was doing before.
in the begining for about 3 months could not pay full minimum amount as they wanted £150- £200, this went up to £600 then to £900, had been phoning them, I had told them that I was not working and the job I got did not pay till end of Oct by then nothing had come into household for 4 months, basic answer was tough!
After months of problems and arrogance by Cap One in which they could not admit an original interest freeze deal was valid, an agreement they had suggested. Worked out a payment deal with the debt agency.
My debt went from £2300 to £3600 with about £500 paid in by myself, the charges and interest alone swollowed up all my payments.
If I was to try to get charges back I still do not think I would get enough to clear the actual debt to clear it, could they close the agreement and demand full payment of all the debt if I was to reclaim?
Have never missed a payment of agreement!

Beate

Your next step is to file a court claim.

pigsmightfly

emilie03 wrote: »

After sending 2nd letter off- recieved letter today... which included the below...

As explained , we a re confident our fees are both fair and legal and im disapointed you are considering court action...the oft havent told us that we're oblidged to refund any fees, i am not prepared to refund all the fees weve added as you asked...
Financial regulations require me to advise you this is my final response in relation to this matter, however you have the option to contact the financial ombudsman....


advice ?

Go to the next step - I've claimed twice from Capital One and received all these kind of put off letters. Just went ahead with my claim and won on both accounts - full amount + court fee + interest