Capital One

KerryJean

nickmack wrote:

Sounds like they've sent the wrong template out.

If you're already at the stage of a court claim, it's tough on them. Interest and court fees are now due. They knew the deadline. Continue with the process.

Thanks Nick - looks like it was a waste of a letter anyway as I received an Acknowledgement Of Service today.

28 days and counting.

misskitty_4

me too. i really hope they don't defend and its just a stallig tactic!

theleek

Dont send £10 to capitaL one,they will giv you the last 6 years statements free

campino72

Hi all

I am in process of claiming back unfair bank charges etc:

Currently I recieved back £200 from Capital one which they said represented the difference between the old charge amount (£20) and the new charge amount (£12).

However, as I am of the opinion that the charges are unfair PERIOD - i am trying to claim back all of it (£404.96 including interest). My balance is currently £330.

The last letter they have sent, says that they WILL NOT pay any more
money etc, saying that they are only prepared to refund the difference between £20 and £12 as they are "Confident their fees are both fair and legal". They say they "Won't review what they offered"

So what do you fine folks think I should do next? I am happy to take it further but wanted to check with the experts first.

If I DO take it further, what is the next step?

Many thanks

theleek

campino72 wrote:

Hi all

I am in process of claiming back unfair bank charges etc:

Currently I recieved back £200 from Capital one which they said represented the difference between the old charge amount (£20) and the new charge amount (£12).

However, as I am of the opinion that the charges are unfair PERIOD - i am trying to claim back all of it (£404.96 including interest). My balance is currently £330.

The last letter they have sent, says that they WILL NOT pay any more
money etc, saying that they are only prepared to refund the difference between £20 and £12 as they are "Confident their fees are both fair and legal". They say they "Won't review what they offered"

So what do you fine folks think I should do next? I am happy to take it further but wanted to check with the experts first.

If I DO take it further, what is the next step?

Many thanks

I was in the same boat with another company,and accepted their offer because if they closed my account then i would be worse off.It is your decision in the end,if you could transfer balance or clear moneys owed then go for it.Think you will have to work out ALL the possibilities,and see which one is the best for you.

jonnyb1978

campino72 wrote:

Hi all

I am in process of claiming back unfair bank charges etc:

Currently I recieved back £200 from Capital one which they said represented the difference between the old charge amount (£20) and the new charge amount (£12).

However, as I am of the opinion that the charges are unfair PERIOD - i am trying to claim back all of it (£404.96 including interest). My balance is currently £330.

The last letter they have sent, says that they WILL NOT pay any more
money etc, saying that they are only prepared to refund the difference between £20 and £12 as they are "Confident their fees are both fair and legal". They say they "Won't review what they offered"

So what do you fine folks think I should do next? I am happy to take it further but wanted to check with the experts first.

If I DO take it further, what is the next step?

Many thanks

Just had a letter off Capital One saying the same thing. I am claiming £200 back from them and have only sent off the first letter. The letter todays says they have refunded me the difference off the old charges to what they charge now so have refunded me £80 into my account which should show on Febuarys statement.

I am prepared to go further but can I??
Do i send another letter saying something like
....."the offer is not satisfactory and will only accept it as a part payment for the monies owed, Therefore you have 7 days to reflect this otherwise i will start a claim."

misskitty_4

same happened to me. i requested just over 100 and had a latter to say they had refunded 48 onto my credit card (the diff of the old charges). I worte back to say thank you but i will still be claiming the other 100 odd within 7 days. they didn't respond so i started my court claim on the 23rd jan. they have acknowledged it so they now have 28 days.

jonnyb1978

Good luck with it Misskitty. Keep me up to date. I shall be watching with interest if you are successful. Will be writing my thanks but no thanks letter tomorrow asking for the full lot.

GirlRacer_2

Ive had letter today off Capital One and basically I've grabbed the money and run!!!!! The accounts been closed for about 3 years and as I'd only worry if I had to go to court I thought what the he!!. It's £200 I didn't have yesterday.

Blazeparadox

:beer: Good on you Girlracer, :j Money in your pocket not theirs,:j Cap One have til 10/2/07 for a response to my LBA. I'm gonna go all the way.:D