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The Bank Action Group - against unlawful bank charges
> Other Institutions > Capital One


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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 15th September 2006, 13:09   #1 (permalink)
sapphire001
Basic Account Customer
Default Sapphire001 vs Capital One***SETTLED***

Just starting action against this lot, fingers crossed it works and i can pay off what I owe them with the money they took from me!!

I've done a quick add up of the statements I've got here and it comes to £260 but I think there's a few missing - a year's worth at least, so hopefully there'll be a few more charges to add on.

Good luck, everyone!

Alison

Edited;please do not use words that can be libel!!

Last edited by sapphire001; 9th January 2007 at 14:23.
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Old 20th October 2006, 11:36   #2 (permalink)
sapphire001
Basic Account Customer
Default Re: Sapphire001 vs Capital One

My statements have finally turned up so I'll be working my way through those over the weekend.
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Old 26th October 2006, 14:05   #3 (permalink)
sapphire001
Basic Account Customer
Default Re: Sapphire001 vs Capital One

Well I've been through my statements today and they owe me £392!! That'll clear half the balance and take it back below the limit, which will make a big difference.

I did fill in a spreadsheet that calculated the interest paid on the penalty charges but i wasn't sure if I was going about it correctly - I only have the monthly interest charged to each statement, and from the spreadsheet it looked like they owed me £1.05 interest for a charge applied last month and only 7p for one from 2004!! So something must have gone wrong there. Does anyone have any advice please?

I've just written a preliminary letter and have put:

"I calculate that you have taken £392 plus any interest you have charged me for these penalties."

If I can work out how to do it and it's worth claiming, I'll add in the actual amount when i send the LBA.

Okay, it's going in the post today!!



__________________
-------------------------------------
Action againt Halifax:
01.08.2006 Sent S.A.R - (Subject Access Request)
25.08.06 Statements received
Calculated - they owe me £797.50
15.09.06 Sent preliminary letter
26.09.06 received "sorry you're not happy" letter
29.09.06 LBA posted
14.10.06 Halifax offer me £439
16.10.06 Moneyclaim action filed
22.10.06 Claim acknowledged - Halifax to defend
02.11.06 SETTLED IN FULL!!!

Action against CapitalOne:
15.09.06 Sent S.A.R - (Subject Access Request)
26.09.06 Received letter acknowledging S.A.R - (Subject Access Request)
20.10.06 Statements received
Calculated - they owe me £392
25.10.06 Sent preliminary letter
9.11.06 Sent LBA
--------------------------------------
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Old 26th October 2006, 19:23   #4 (permalink)
sapphire001
Basic Account Customer
Default Re: Sapphire001 vs Capital One

Just before I went to the Post Office I found another statement that must have fallen off the table, with another £20 charge on it - so I'm now going for £412.
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Old 9th November 2006, 13:54   #5 (permalink)
sapphire001
Basic Account Customer
Default Re: Sapphire001 vs Capital One

Royal Mail site says that the letter was delivered but i've not heard anything from CapOne - so the LBA will be in the psot this afternoon.
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Old 10th November 2006, 23:22   #6 (permalink)
sapphire001
Basic Account Customer
Default Re: Sapphire001 vs Capital One

Didn't make it to the post office, and i had a reply today - offering me £130 which is the difference between their charges and the OFT's £12 ..... I'm going to write accepting it as part payment, but the battle goes on!
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Old 29th November 2006, 15:29   #7 (permalink)
sapphire001
Basic Account Customer
Default Re: Sapphire001 vs Capital One

No response from CapitalOne and the deadline is up tomorrow so I'm going to sort out the court info today.
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Old 7th December 2006, 13:55   #8 (permalink)
sapphire001
Basic Account Customer
Default Re: Sapphire001 vs Capital One

Well I've had a bit of a delay here because life has been hectic. I did receive a response from Capital One letting me know that their offer of £160 was still open. Court claim has been submitted today so fingers crosed!!
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Old 9th January 2007, 14:20   #9 (permalink)
sapphire001
Basic Account Customer
Default Re: Sapphire001 vs Capital One

Sorry I haven't updated. Didn't hear anything for ages and then last Friday I had two letters - one from the court saying that Capital One were defending the claim and had filed their defence; the other from Capital One saying that they weren't acknowledging blame etc but have your money back!! Woohoo!!! It's almost cleared the balance on my account. Thanks for the support
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