Capital One

princesskez26

frugalpam wrote: »

Just an update - Capital One paid up in full today - charges, interest and court fees, AND sent me the cheque as requested, instead of refunding it to my credit card. Yahoo :T :T

Pam

Well done, thats great to know i'm filing MCOL against them next week

Kez

frugalpam

smudgemanc26 wrote: »

Congratulations! :j I didnt know you could ask for a refund by cheque did you have to state this in your letters before you filed on MCOL?

Cheers! Yes, I said at the outset I wanted a cheque as I wasn't planning to use my card again any time soon.
I don't think it really matters though, whether you've stated that or not - if you go through and MCOL and win (which you will) I'd think you can contact them and just request payment by cheque.

Good luck!

Pam

stargazer59

frugalpam wrote: »

That sounds pretty much Capital One's style. They sent me a letter offering to settle in full - and when I checked MCOL they'd also lodged a defence. The next day, I got a letter of notice from the Court stating that they intended to settle in full
I'd give MCOL a ring and ask advice from their helpline (best time to ring is first thing, at start of business)

Pam

Hi was about to phone the court when a scruffy envelope arrived this am from Cap 1...with a cheque in side...so thats both claims paid in full with interest and costs!!! At last...now if only HSBC werent dragging their heels with their AQ lol

good luck everyone ..you will get your money:beer:

LouBlue

Stephen_Leak wrote: »

We wouldn't want to disappoint them, so send them the second “Letter Before Action” letter. At this point, you have to decide between referring your claim to the Financial Ombudsman or starting court proceedings.

If you don't think that you could successfully handle a court claim, or can't afford the court fees and aren't eligible for fee relief, then the Financial Ombudsman is an alternative. It is free of charge and handles everything for you. However, they cannot force the bank to pay up, set the level of the settlement or award interest like a court. Despite this, their success rate is good. Being financial experts, they can also threaten to ask the bank some very awkward questions. If the Financial Ombudsman is unsuccessful, you can still take the bank to court.

If you threaten to refer your claim to the Financial Ombudsman, give them until 8 weeks from the date of your first letter to reply. However, if the reply either suggests that you now refer your claim to the Financial Ombudsman or says a definite no, then you can refer your claim to the Financial Ombudsman straight away. If you have not received any reply for the 8 weeks, then you can refer your claim to the Financial Ombudsman.

If you threaten to start court proceedings, give them 14 days to reply. If you have not received an acceptable reply by this deadline, then start court proceedings on Money Claim Online.

<O:pPlease read the Reclaim Bank Charges Help thread.</O:p<O:p</O:p

Thank you.

katepnlo

yay my cheque arrived also!!! straight in the bank
i can cancel court now can't i?? they aren't likey to bounce it are they?!
1 down 2 to go
kate

angelwillow

Phoned Capital One today as their 14 days before court action time is up to be told that the department that deals with that don't take phone calls and correspondance is only via post and was I aware this would affect my credit rating anyway.
Is this true to both statements (I don't think the credit rating part is?) and if not then does anybody have a number I can try phoning?

GarethR

Quick time!! I sent a letter requesting my statements on 8th June which was a Friday so technically they wouldnt have actioned my letter until the Monday & this morning the posty rang the bell at 7am (git) & presented me with a nice C4 envelope with all my statements in that had been sent Special Delivery!! Ok they may drag their feet paying up but jeez I didnt think for one min I would get my statements so quick!!

Lets see if Im as impressed with their offers

GarethR

stargazer59 wrote: »

Hi was about to phone the court when a scruffy envelope arrived this am from Cap 1...with a cheque in side...so thats both claims paid in full with interest and costs!!! At last...now if only HSBC werent dragging their heels with their AQ lol

good luck everyone ..you will get your money:beer:

Could I ask how much it was, Im in 2 minds whether to deal with Cap One & not chase the interest but the charges alone??

Thanks :beer:

GarethR

angelwillow wrote: »

Phoned Capital One today as their 14 days before court action time is up to be told that the department that deals with that don't take phone calls and correspondance is only via post and was I aware this would affect my credit rating anyway.
Is this true to both statements (I don't think the credit rating part is?) and if not then does anybody have a number I can try phoning?

I did notice that the letter they included in with my statements had no address on it or number but to say to you that ringing would affect your credit score has to be boolarks, I think they are just trying to stop you from ringing. Just file the MCOL if their time is up, from what I have read here they seem to pay up when you do!

angelwillow

Thanks but I think I'll have to go via local court since I am in Scotland.

They sent my 'charges' really quick aswell but then have ignored me since - surprise surprise!