Capital One

SUGARSPICE

Kez & Alexis

Thank you very much for your replies.Much appreciated :beer:

Degs45

Hi all just recieved my statements from cap one , this was a closed account which I was also hammered on charge wise .The counting will start in earnest !"

BANKBANDIT_2

Hi all:D
I got a letter from cap one this morning dated 18th june07.saying that there charges were fair bla bla bla and as a goodwill gesture offered me £200 but my claim is for £680 without interest so wrote back telling them i will except the£200 as part payment , but want the rest of my money within 7 days otherwise going all the way to court.
Has anyone else done this and what was the outcome,
Thanks .
They have been realy quick so far called to ask for statments sent them to me within a week free of charge , do you think i will get another offer or have to go to mcol.

princesskez26

BANKBANDIT wrote: »

Hi all:D
I got a letter from cap one this morning dated 18th june07.saying that there charges were fair bla bla bla and as a goodwill gesture offered me £200 but my claim is for £680 without interest so wrote back telling them i will except the£200 as part payment , but want the rest of my money within 7 days otherwise going all the way to court.
Has anyone else done this and what was the outcome,
Thanks .
They have been realy quick so far called to ask for statments sent them to me within a week free of charge , do you think i will get another offer or have to go to mcol.

Your lucky !! Took me 3 weeks to receive statements and they took the payment :rotfl: Ive sent out the initial letter waited 2 weeks heard nothing now i've sent the letter before action so looks like MCOL will be my route :rolleyes:

Kez

BANKBANDIT_2

:money: I thought they were playing hard ball with me but seems ive had it easy with cap one so far. Dont give up by looking on this site ive seen they do make you an offer then wait till you go through court stage but pay up in full befor it goes all the way so good luck.Dont give up its your money :beer: £200 Bback so far £480 TO GO

smudgemanc26

I received a rubbish offer just over £100! from Capital one and sent my other letter and they are not budging it seems like im going to have to go down the MCOL route to get anywhere with these credit card charges! :mad:

Bulla79

I've made a daft mistake.

Issued my claim with MCOL today. Have just noticed I've claimed back from 05 October 2000 (over 6 years). Was too eager entering all the charges from the statements they sent me!

Does anyone know where I stand now?

Does this invalidate my entire claim? Will the final payment (assuming I get that far) just be for the 6 years? Or do you think they won't notice!?

Any views on this appreciated.

angelwillow

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?

After posting this an offer has arrived today - £344 for a £1016 claim.
Is it worth phoning to try to increase the offer or would it be a waste of time and should I just proceed with the court letter?

chrissieo

angelwillow wrote: »

After posting this an offer has arrived today - £344 for a £1016 claim.
Is it worth phoning to try to increase the offer or would it be a waste of time and should I just proceed with the court letter?

Just proceed as they wont talk to you, I have tried. The department that deal with claims are not contactable by phone and will not return call so save the cost of the phone call and just send the court letter.

Good Luck

Chrissie

LEE69_2

Bulla79 wrote: »

I've made a daft mistake.

Issued my claim with MCOL today. Have just noticed I've claimed back from 05 October 2000 (over 6 years). Was too eager entering all the charges from the statements they sent me!

Does anyone know where I stand now?

Does this invalidate my entire claim? Will the final payment (assuming I get that far) just be for the 6 years? Or do you think they won't notice!?

Any views on this appreciated.

You can cancel MCOL,phone them,a refund is up to them though.
Then start again.