Capital One

CazW_2

GO for the full amout everyone!!

Even with the OFT saying £12 is a fair charge.. if you take the bank to court they would still have to prove £12 is what it cost them so you would still win.. and the bank know it.. so they will still settle out of court!

Caz

pigsmightfly

Brickie103 wrote: »

Hi savermum and pigsmightfly!

I'm so glad you both mentioned that you were claiming back from GE Money as i am thinking of doing that too, and can find no one else until now who is targeting them.

I have my Mortgage and a 5k loan with GE and have been up to date with all payments until i was off last year for 3 months due to having an operation and was only receiving SSP, this resulted in being in 2 months arrears with my loan but managed to keep up to date with my mortgage. ( i did have payment protection for the loan but they refused to pay out, criminals!!)

Anyway, in a nutshell, GE have decided to charge £40 Administration fee for every month i still have arrears, after getting quite stroppy on the phone with the person i spoke to, i asked them why they were charging me £40 admin fee, he replied that its for letters being sent out and the cost of phoning me. Well, i replied that they should owe me some money then as i get put on hold for a lifetime every time i call them and its not a local charged number or freephone number i have to ring!!
Needless to say he couldnt answer me on that one, so i replied that they cant justify charging me that amount as i am paying off something each month of the arrears and i'm not going to get anywhere if they keep whacking on £40 each month!! So i was going to be looking into it.
I have since kept up the payments with the loan but am really struggling to get the arrears payed off now! (snowball city!)

My question is to you guys is; Can i just send the 2nd letter to them asking for the charges back? (i already have the statements) and have you got any response yet with them?
Also, what address did you use? and will it affect my mortgage or loan? as i cant afford to re-mortgage yet or go anywhere else for my loan, may be able to re-mortgage later this year which i plan to do asap!!

Any thoughtsor advice would be very much appreciated!

Thanks in advance!!

Yes if you have already got copies of your statements go straight to the letter requesting your money back.

The address I have been writing to is

GE Money
PO Box 700
Leeds
LS99 2BD

Good luck

saver_mum

for those of you claiming from Ge Money..
I have now had a letter today saying they dont admit liability and the charges are inline with OFT ect ect..but they will refund my charges as a goodwill gesture!!
but they wont be refunding my interest i only claimed £144.28 in total and they are refunding £120 in charges! so wont be going after the £24.28!
this will be credited onto my account..i purposly left this amount on my card so they would pay it off as i didnt want the rigmerole of them sending me a cheque knowing how slack they are in sending out information.!
victory is sweet...:rotfl:
Am now filing mcol claims for Capital one for myself and my partner!!

refundmeplze!

Hello all! first time posting on crap 1 boards! have succsessfully claimed for halifax and woowich so have started on my old, now closed crap 1 account. Just have worked out my charges(about £1245 inc interest!!!! Disgusting as my card limit was £200!!)But where should I post letter to? I see a couple of different addresses on here, but as i am sure this will go to mcol level (looking at what has happened to other people) and I am quite prepared to do so cos I HATE CAP 1, they are worse than any bank and have given me soooo much grief, I heard you cannot use po box no when filing and not sure if i can send recorded delivery letters to po box?? Any help would be great as ready to print and post letter today!!
Good luck to all claimers.;)

pigsmightfly

refundmeplze! wrote: »

Hello all! first time posting on crap 1 boards! have succsessfully claimed for halifax and woowich so have started on my old, now closed crap 1 account. Just have worked out my charges(about £1245 inc interest!!!! Disgusting as my card limit was £200!!)But where should I post letter to? I see a couple of different addresses on here, but as i am sure this will go to mcol level (looking at what has happened to other people) and I am quite prepared to do so cos I HATE CAP 1, they are worse than any bank and have given me soooo much grief, I heard you cannot use po box no when filing and not sure if i can send recorded delivery letters to po box?? Any help would be great as ready to print and post letter today!!
Good luck to all claimers.;)

I dealt with the following address and I used this for the court claim also and won so had no problems with it:

Capital One Bank
PO Box 5283
Nottingham
NG2 3YJ

refundmeplze!

many thanks pigsmightfly. Will print and post today!:cool: :cool:

pigsmightfly

refundmeplze! wrote: »

many thanks pigsmightfly. Will print and post today!:cool: :cool:

No problem

Stick at it with them - they will try all kinds of letters with you to try and put you off as they did with me but I got the full amount in the end

keatergreyhound

I sent my 1st letter off to Capital One outlining how much id like to claim etc
Theyve got back to me today offerinf me £120 they say 'Financial regulations require me to advise you that a refund of £120 is my final responce in relation to this matter.
Im sorry that I cannot refund all your fees

So according to them thats all they have to say, so where please do I go now?

Warriorsith

Hi

I've noticed theres letters about rejecting Capital 1 offer. I wish to do this as they have offered me £188 against a claim of £600. I wrote to the them two weeks back stating I'd except £500 prior to the offer which arrived today but as stated i've got offer of £188 only.

Can someone please state which letter I write? and do I give them 7days or 14 days to reply?

ITConsultant

Capital One have refunded all my charges to the level of the £12 set by the OFT.

Any advise?