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The Bank Action Group - against unlawful bank charges
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Reload this Page Capital One - Credit Card - Charges


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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.
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Old 8th February 2006, 16:47   #1 (permalink)
PrincessAphrodite
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Default Capital One - Credit Card - Charges
I am always been charged by Capital One with massive charges for various things including fees for going over my credit limit because their fees have been slapped on to it. Therefore, a constant circle!!!

Today I paid in full to clear the balance on the card of £208 and have requested the account be closed (which I am told I cannot do until next Wednesday because that is when my payment will clear even though I paid via Debit Card over the phone).

I am wondering if the charges here can be claimed back using the template letter?

Anyone know or have advice with this?

Thanks!
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Old 8th February 2006, 17:03   #2 (permalink)
PrincessAphrodite
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After reading a bit more through this site and pondering a little bit longer I have decided to send them "the letter" too. Can but try!

Wish me luck and will post what happens in case others have had it happen to them too.
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Old 8th February 2006, 17:05   #3 (permalink)
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Credit card charges are even easier to get back - simply because they already have the threat of the OFT over them.

I would amend the letter a little though - take out anything mentioning Overdrafts etc... and anything else that might be in there that is specific to bank accounts.

Good luck (like you need it )
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Old 8th February 2006, 17:06   #4 (permalink)
PrincessAphrodite
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Great - will do am amending the letter now to suit the situation.

Thanks Dave!
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Old 8th February 2006, 17:13   #5 (permalink)
PrincessAphrodite
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As per Capital One website the address to write to is:

Executive Office
Capital One
PO Box 5281
Nottingham
NG2 3HX

There doesn't seem to be an email for them.
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Old 8th February 2006, 18:18   #6 (permalink)
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Dont forget to give them deadlines, and if they fail the deadline let them talk you in to anotherone. Just take the next step. if that submitting a claim form then file one.

its the only action banks, credit card,store card company under stand.
 
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Old 8th February 2006, 18:24   #7 (permalink)
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Stephen, I would appriciate some advise on making a claim for an unknown amount, as I have given them a deadline, but they have not provided me with the statment information.

Thanks in advance
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Old 8th February 2006, 18:48   #8 (permalink)
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When I put mine in, all I did was log on to there internet banking site, which displayed my statement for 12months and in one year i had £140.00 Bank charges so I simply times that by six and added £1000 just to be on the safe side.


Therefore on my claim form, where it said amount you expect to recover

I Entered, I expect to recover no more that £2000.00
 
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Old 8th February 2006, 19:06   #9 (permalink)
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but I can't do that on money claim ?
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Old 8th February 2006, 19:12   #10 (permalink)
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Are you fare away from your local court, if not just drop in the claim form.
 
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Old 8th February 2006, 19:13   #11 (permalink)
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I'm going to start a thread in "General" about recovering an unknown amount.
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Old 8th February 2006, 19:14   #12 (permalink)
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my nearest court is one of the new ones to accept the claim forms electronically
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Old 21st February 2006, 23:55   #13 (permalink)
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Have you heard back from them yet? I'd be interested to hear back as I'm in a similar situation myself!!!

Claiming back the charges seems a bit too good to be true!!!! (althought after reading through many of these posts it definately seems possible!!!)
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Old 21st February 2006, 23:55   #14 (permalink)
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Have you heard back from them yet? I'd be interested to hear back as I'm in a similar situation myself!!!

Claiming back the charges seems a bit too good to be true!!!! (althought after reading through many of these posts it definately seems possible!!!)
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Old 22nd February 2006, 00:20   #15 (permalink)
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It's not possible - it's for sure.

The banks are acting above their station and are in breach of common, basic contract law. Penalties are not allowed - liquidated damages are.

It DOES NOT cost £35-£39 quid to NOT pay a direct debit - my 8 year old nephew knows that - if the banks don't know it, then it's up to the us (really the OFT, but there you go) to tell them.

...and telling them we are.
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Old 22nd February 2006, 00:20   #16 (permalink)
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It's not possible - it's for sure.

The banks are acting above their station and are in breach of common, basic contract law. Penalties are not allowed - liquidated damages are.

It DOES NOT cost £35-£39 quid to NOT pay a direct debit - my 8 year old nephew knows that - if the banks don't know it, then it's up to the us (really the OFT, but there you go) to tell them.

...and telling them we are.
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Old 22nd February 2006, 00:22   #17 (permalink)
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I get charged £20 late payment charge and £20 over limit fee. Can I claim these back?

I've read some of the posts and will read more tomorrow!!! I'd like some sort of quick answer before I go to bed as I want to start my claim tomorrow!!!!

Thanks
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Old 22nd February 2006, 00:22   #18 (permalink)
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I get charged £20 late payment charge and £20 over limit fee. Can I claim these back?

I've read some of the posts and will read more tomorrow!!! I'd like some sort of quick answer before I go to bed as I want to start my claim tomorrow!!!!

Thanks
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Old 22nd February 2006, 00:39   #19 (permalink)
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Read the step-by-step in the FAQ - it'll tell you in there - I can barely keep my eyes open at the moment otherwise I would tell you here.
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Old 22nd February 2006, 00:39   #20 (permalink)
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Read the step-by-step in the FAQ - it'll tell you in there - I can barely keep my eyes open at the moment otherwise I would tell you here.
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