Capital One

consnmattsmom

Cap One acknowledged my claim on 13th March so do they have 28 days now from that date. Will 13th be classed as day one? Also my account is clear so do they normally repay in a cheque?

Fingers crossed I get money back

Bakeybadoo

consnmattsmom wrote: »

Cap One acknowledged my claim on 13th March so do they have 28 days now from that date. Will 13th be classed as day one? Also my account is clear so do they normally repay in a cheque?

Fingers crossed I get money back

Ok, what stage are you at?

First or second letter?

Either first or second, they should have been given 14 days. That's what it should have said on your letter, if you used the ones from this site.

The day they receive your letter, you count 14 straight days from then. If on day 14, you've had nothing, you then go to the next step.

They will issue you a cheque in most cases if there is no debt you owe them.

Beate

No the 28 days start 5 days after the claim was issued.

Bakeybadoo

stargazer59 wrote: »

Many thanks to both of you, seems i have been a very naughty girl! One is for£908 and one is £696! Nearly dies of shock when adding it all up!

That's nothing compared to some!

consnmattsmom

Bakeybadoo wrote: »

Ok, what stage are you at?

First or second letter?

Either first or second, they should have been given 14 days. That's what it should have said on your letter, if you used the ones from this site.

The day they receive your letter, you count 14 straight days from then. If on day 14, you've had nothing, you then go to the next step.

They will issue you a cheque in most cases if there is no debt you owe them.

Sorry I have gone through the letter stages and was only offered the difference between £12 and the charges so have gone to MCOL but they acknowledged claim on 13th March so unsure what date they have til to respond.

j1mgg

I have just had an offer back of £111(difference between £12 and £20.) Has anyone tried to claim back interest at a higher rate as i was not being charged 8% for the credit card.

Is there a template letter for saying you will accept as partial payment but you are still going to pursue the rest.

thanks for help in advance

pigsmightfly

j1mgg wrote: »

I have just had an offer back of £111(difference between £12 and £20.) Has anyone tried to claim back interest at a higher rate as i was not being charged 8% for the credit card.

Is there a template letter for saying you will accept as pertial payment but you are still going to pursue the rest.

thanks for help in advance

I had this also. I just moved onto the next letter threatening court but added a paragraph in saying I will accept your offer of XX as partial payment but intend to claim the full amount

j1mgg

Thanks pigsmightfly, i will just put it in then.

I thought there might have been a template, any idea on raising the statuatory interest from 8% to the credit card company actual interest rate?

Beate

Of course you can claim for the rest! Go for it!

Warriorsith

Just a quick question, are there any of you who are claiming that use the Capital One Creditcard Online service, that you use to check you account etc? mines be working fine all through the process of claiming charges except from today, I'm unable to login and wonder if this was a tatic used by Cap.1?