Capital One Help - Payment Plan

[al_cooper]

I would like a little bit of advise please.

I got a capital one card and my limit was £200, when i received my statement to pay the bill i had a charge for going over the limit to upto £220. So i just paid the minimum payment and left it at that.

My circumstances have greatly changed since then. I haven't paid the bill (which i know is entirely my own fault) and owe them £350+ for the charges and the bill i ran up.

I am just in the process of filling in a personal budget planner, and i am writing a letter to capital one explaining my circumstances and offer the pay £££ a month as a payment and ask for a payment book.

Anyone had a luck with doing this or anymore tips you could give me?

Thanks
Alex
-x-

[chriswatkins]

check your charges, if they are above £12 caim them back, they are illegal

[rosemaryednam]

When filling in form for outgoings etc. make sure that you can only pay them minimal amount and keep copy of what you wrote down so that you can just copy it next time they ask. If you show that you can afford more than a nominal amount they will be on your back constantly.