chris

chriswatkins · 10th August 2006, 16:08

I am claiming back charges for my brother, I have phoned today to request statements for his account, been told they will be here in next seven days,will keep this thread as a diary

chriswatkins · 10th August 2006, 17:50

when I phoned to get my bruvs statements I was told that his last payment arrived 2 days late even though I paid it online befor due date, and guess what, yes, cheeky sods are charging £20 late payment fee

chriswatkins · 18th August 2006, 19:41

well, capital one told me that statements would be here in 5 days, its now been 8 days and still waiting

sonic007 · 18th August 2006, 20:22

hi there chris l am having problems with capital one bank do you gett a phone call every 8 days? l have gone over my limit on my cards because of there charges as l am new to this webb page site what do i do?

Quote:

Originally Posted by chriswatkins

when I phoned to get my bruvs statements I was told that his last payment arrived 2 days late even though I paid it online befor due date, and guess what, yes, cheeky sods are charging £20 late payment fee

chriswatkins · 19th August 2006, 10:40

Hi Sonya, no I don't get phone calls off them, I rang them and asked for all statements ( that way they don't charge for them ) then when you get them add up all charges, you can go back 6 years, then follow the threads for help on how to claim it back, will help you as much as I can, I am just at the court point with my bank, but need these statements to go further with capital one

chriswatkins · 19th August 2006, 12:46

just recieved statements for 2 accounts, so will now tot up what they owe us and away we go

chriswatkins · 19th August 2006, 20:32

done the maths and the prelim letter so will send it off on monday, then sit back to wait for first sod off letter

sonic007 · 19th August 2006, 23:49

Quote:

Originally Posted by sonya mann

hi there chris l am having problems with capital one bank do you gett a phone call every 8 days? l have gone over my limit on my cards because of there charges as l am new to this webb page site what do i do?

hi chris thank you for your reply, l have found all of my statements from capitol one as i have 2 cards and have found the template for the letter so do i send the letter to them with the amounts l am claiming back? As like other people they have charged me for over limit and late charges so thats why my card is over the limit.

thanks
sonya

chriswatkins · 20th August 2006, 09:36

hi sonya, firstly, if you start your own thread others will read it and they will also help you with your claim.you need to set out all charges, dates, and what the charges are for, if you use the spread sheet it is easier, and send it with your prelim letter, if you go and read some of the other threads they will give you some idea as to how to go on, and how others have got on

chriswatkins · 24th August 2006, 12:36

still early days so dont suppose I will hear anything yet, think I will prepare LBA while I am waiting

chriswatkins · 25th August 2006, 16:34

am I wrong or were cap1 supposed to change the amount that they charge on 21st august from £20 to £12, well they charged my brother £20 over limit fee on 23rd august

sonic007 · 25th August 2006, 21:46

hi chris

on my statement it says reduced charges change on 31st August, have sent my prim later to-day going to lloyds weekend

chriswatkins · 26th August 2006, 17:25

Hi sonya,
when I send the LBA letter then I will add this latest £20 on to it, cheeky sods they are.
Good luck with your claim, I still havent heard from cap1 so I will send of the LBA on thursday

chriswatkins · 4th September 2006, 23:34

got my dates wrong so its LBA tomorrow as I havent heard from capital one

sonic007 · 5th September 2006, 22:19

hi chris been a week now nothing from cp 1 had phone calls said l was not giving details over phone she got quite snotty and said that anybody could get them off the electrial roll so l said l was protecting my data and then she put the phone down!

they can be quite nasty so l think l need to put this into writing what do you think?

chriswatkins · 6th September 2006, 18:29

dont take any stick off them, they owe you and they will try scare tactics and rudeness, I have just sent LBA to them, so am waiting to see what their next step is, they never replied to prelim, will keep you informed

wtdb · 7th September 2006, 02:05

Quote:

Originally Posted by chriswatkins

when I phoned to get my bruvs statements I was told that his last payment arrived 2 days late even though I paid it online befor due date, and guess what, yes, cheeky sods are charging £20 late payment fee

Did you pay 5 working days before the due date, like the statement says? That bit at the bottom that mentions that if you pay by phone, online banking or cheque, to give it 5 working days before the due date?

Bookworm · 7th September 2006, 10:56

wtdb - It doesn't matter whether he did or not, it's irrelevant. The charge is unlawful and OP will get it back.

chriswatkins, don't forget to add the latest charges right up to date when you file with the court!

chriswatkins · 7th September 2006, 11:31

well, good news, cap one have refunded all the charges on one of the accounts after I sent the LBA, its only £80, but better in our pocket than theirs, still waiting to hear about the other one thats for a bit more £532, so I suppose they will try not to pay that one, have sent the LBA, so will wait and see what happens next

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