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Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road
London
NW11 7PE
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| | | | | | Welcome to The Consumer Action Group
and
The Bank Action Group
Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund.
You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed.
To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.
Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges. We strongly suggest that you register under a UserID and not your own name |  | 
12th July 2006, 20:58
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#1 (permalink)
| | Classic Account Customer |  Chimera vsCapital One
Interestingly, I wasn't going to bother claiming off Capital One... BUT
They rang me the other day - to tell me I had missed a payment - I apologised and asked if I could pay now and set up a direct debit. They said yes...
I have a balance of £200, so amount should ahve been about £20 if I was to pay next months payment as well. Then he came up with the amount: £60 and something.. I asked him why? and they had charged me 4x 1 months payment or 1/5 of my balance in charegs - unbelievable. I asked him to refund charges as I was paying now, and It was a genuine mistake. He said No - I explained that the charges were unfiar - and still No - SO I informed him I would claim the money back.
I wasn't going to claim back charges, but I thought: £180 balance (at present)_ - they definately owe me at elast £40 just from this month - so if I have been charged at all over the past 6 years - it will probably total more than my oustanding amount - or at elast close.. hence - pay it off and close nasty cap one account... So - they did themselves no favours there - I was going to let them have my money - now I'm not feeling so generous!!
__________________ Cahoot JBD issued - 27/07/06, warrant issued 08/08/06 First Direct Settled in Full Capital One Prelim Sent Citi Financial Offer of difference betwen £30 and £12 GE Capital - Evans Card, Data Protection Act
Argos Card, Data Protection Act
Barclay Card, 8th May-Data Protection Act, 14th July- 2nd DPA (asking complete history!!)
Egg Card & Egg Loan,Data Protection Act
NatWest Card
LBA
Vodfone
3rd letter re: default
Studio & Ace
Prelim for Studio e-mailed
Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.
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12th July 2006, 21:03
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#2 (permalink)
| | Platinum Account Customer
I am in: Devon
Posts: 3,008
| Re: Chimera vsCapital One
Good for you, you will win. i did!!! good luck! | |
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
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