Dayglo v Capital One

[dayglo]

I've started my action against Capital One.
In the back of my mind though I have a niggling little doubt.
my £400 limit card went spiralling up to >£900 as a result of charges alone, I'd returned my card to them and the charges still kep coming. Now then - out of the blue, I got a letter just before last christmas telling me that they had 'reviewed my account and as a gesture of goodwill they had restored the balance to £400' I hadn't initiated anything it just happened. I now suspect that this may have been a pre-emptive strike by Capital One and that the letter that accompanied it may have contained 'in accepting this, you to agree to never bother us again with claiming for stuff!!' (I have paraphrased from my memory as you can tell ) I threw the letter away at the time as I was very happy with the outcome (I obviously didn't know about this place at the time!)
now then - has anyone else had this? I've sent off my Subject Access Request and it's been acknowledged, so let's wait and see.

[Bookworm]

Wow.

I would be VERY surprised about any pre-emptive strike that would make them 500+ disappear from your account, they're neither that nice, nor smart.

Still, your Subject Access Request should reveal all. Do keep us updated, will you?

[dayglo]

I certainly will.
I had another charge in my statement that arrived on Saturday for £20 right alongside a note that said they are reducing them to £12 from the end of August.
I requested that they refund my charge, they refused saying they had refunded a charge for me already this year, in February and only one refund per person per year was allowed under the Capital One policy!

He also told me that i should expect my statements to be delivered by the end of this week. Looking forward to it!

[dayglo]

Hello,

I received a partial compliance with my S.A.R - (Subject Access Request) today. There are a few months missing but they still have some time left to comply.

Of the statements I've received, the charges add up to £1810.

On the Nov 04 statement my balance was £553 over its credit limit. On the same month it just says 'account credit - goodwill gesture £553'

I have chosen not to include this gesture in my schedule of charges on the prelim letter.

What do you think? There is no other reference to this in a letter or anything.

[dayglo]

error

[dayglo]

I received a letter today offering the difference between my charges and the £12 supposedly 'acceptable' to the OFT.

I assume everyone is declining this and proceeding as normal?

[Tinkerbelle]

That's correct. The OFT did not say that £12 was acceptable

[dayglo]

MCOL filed on 25th, acknowledged on 28th