Capital one won’t stop fees

Sadsecret

please can anyone advise? I have been on DMP since 2017, never missed a payment and destroyed my card. I will never clear my balance at this rate. I have phoned and explained but very unhelpful. 

Galloglass

How do they arrive at the numbers and were you told? The £12 charge added each month should have indicated a problem. Was this a Stepchange issue?

sourcrates

Capital one have treated your financial situation as a temporary situation, accepting lower payments on a short term payment plan.
Once that ended, they have again applied late payment fees, as your payment was less than the minimum required.
This is a very common issue, people do not realise that when you enter debt management, it’s nearly always in your best interests to stop paying the account altogether, for about 8-10 months, or more, until your account has been defaulted, and/or sold on, prior to entering an arrangement.
As in your case, you’ve gone to stepchange too early, these are common issues when you start debt management payments to accounts that are still live.

once defaulted, all interest and charges stop, creditors don’t like to lose customers, so hold off defaulting accounts for as long as possible, all you can do now is write and complain, or stop paying the debts altogether, leave it 8 months, a year, see what happens.

Carrot007

sourcrates said:
This is a very common issue, people do not realise that when you enter debt management, it’s nearly always in your best interests to stop paying the account altogether, for about 8-10 months, or more, until your account has been defaulted,

Has it got that bad lately? I nmean my uissues were 2009 but around 3-4 months would od it then.

But OP yes stop paying until they do. I did not and had to have many letter later to say they should have (not on the interest, more on the defaulting).

And unless you have problems dealing of a p[artner who does then doing it yourself will be much easier than stepchange. Yes they are great. They are also far too fair to companies that are not equally fair to you. I understand the point, though they should tell you it up front.

Sadsecret

Thank you, I am doing so well on StepChange and have halved my debt since 2017, all my other creditors have stopped interest and charges. I have explained this to Capital One but they wont budge and the payments are going straight from StepChange so I can't stop them but it's only paying the interest and the fees. I have written twice to Capital One to ask them to stop interest whilst on my DMP but received no reply. Could StepChange do anything to help? 
Thanks

Suseka97

The only way to force the issue is to stop paying them.  
I had the same problem years ago with Barclaycard.  They had stopped, but as soon as their monthly allocated payment (via SC) came close to what the standard min. pmt was, they started to add interest and charges.  It took an age to get the account defaulted.  SC weren't much help at the time either - they wouldn't reduce the payment.  
In hindsight I'd have removed BC from the DMP, but I was quite naive about debt stuff back then - so do heed the advice given and push back on this.