Result...well sort of.

sansiro · 29th May 2006, 12:57

Hi,firstly great site which i found by accident.And i hope im posting in the right place.
Well my problem is with capitol one and there ridicuolous high fees.I only have a £200 limit but i owe them £700 there is no chance i can pay this.They phone constantly(6-7 times a day)i want do deal with them in the correct way instead of getting mad with them on the phone which it what i usually do.
What is my first step here when talking to them on the phone?
Any help appreciated.thanks!!!

alanfromderby · 29th May 2006, 12:59

First step - read the FAQ's
Second Step - do a search under "harassing"

sansiro · 17th July 2006, 09:56

Hi all,my card is only has a £200 limit yet i owe them £798,UNBELIEVEBLE AS IT SEEMS!!!
Capital one recently said they were going to default my account,so i phoned them up and explaind that i dispute the amount i owe(very unlawfull fees were my words) so they couldnt default me after a repetetive conversation they said they want it in writing,which i did.About 14 days later i recived a letter saying as a matter of good will id like to reduce the fees weve added to your account to £12.So i can do these refunds totaling £216.I havnt signed it yet because im still thinking about it.What do people on here think?At least its some kind of result.
Any advice is welcome....thanks

Bookworm · 17th July 2006, 10:06

I think they're full of sh!t. It's not "good will" at all, they have been FORCED to lower their charges to £12. And now, they're trying to railroad you into thinking they're doing you a favour? Grrr.

I suggest you have a god read of the FAQs and step-bystep, and read other people's stories here, so you know what you're dealing with, then go after them for a 100% refund of those charges.

Keep us posted.

PS: Can you please keep your updates on the one thread, it will make life easier for everyone, including you. Thanks.

sansiro · 17th July 2006, 12:18

Your right they are full of sh!t,ive now just recieved a letter from Allied international credit saying that my account has now been assigned to them by capital one,and that i have to pay the full balance in full.I only recived the "goodwill" letter on friday offering me £216 in refunds and now they send this

The FAQs are a great help aswell,cheers

TBeckett100 · 17th July 2006, 12:53

tell Allied the account balance is in dispute. Continue with Cap 1 as normal.

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