Capital Offence

[Overdrawn]

[quote=Don Quioxte "Do you think rather than you guys post out the statements again (another 10 working days) you might just go through them with me on the phone.." [/QUOTE]

Do you actually trust these people to be honest with you and tell you ALL the charges they made? Maybe they missed one or two out? Or maybe I'm just sceptical...

[Don Quioxte]

Hi - guys.. nice to actually have some news to post in my own thread for once!!

Just checked my account online - having been suspicious that Capital One are following standard format... AND WAS RIGHT..

I sent my prelim letter which Capital One would have received end of last week... They've already refunded £40 onto my account... it's there now?!? I have'nt yet received letter from the ubiquitous "Lee Powell"... but the trend seems to be...

1. Immedaitely refund as a "goodwill gesture" £40. (probably before even getting beyond the first paragraph of our prelim letter).

2. Deny accountability.

3. Assume the "we are right, you are wrong, go read your T and Cs stance".

4. File the prelim in a "actioned" tray (which must be taking up considerable square footage at the Nottingham offices).

5. Hope that the pile will diminish, as customers see they've got £40 back cos we r all so desperate.

Problem for Capital one is... the pile ain't diminishing. It's growing faster than they can print the £40 standard goodwill gesture letters..

I hear they are having to look to outsource their postal service to Mumbai as well.. there just isn't the square footage available in Nottinghamshire..

[Don Quioxte]

It gets better.. Received the predicted letter in the post this AM...which was a three sided document in response to the covering complaint letter i sent with my prelim..

interestingly they simply quote various sentences from my complaint letter, and then apologise that I feel this way (apparently that answers my concerns).

I find the childlike manner in which they communicate peculiarly endearing.. it kinda conjours up images of a room full of Giant Capital One Babies with dummies and nappies, all crowded in a room with bright painted walls, alphabets, cots, and babywalkers.. busily typing out responses to complaints and prelim letters whilst watching re-runs of the teletubbies and bob the builder on a giant plasma screen.

The baby theory is supported by the clear indication that no one with a mental age or IQ above that of a pre-school has actually read the OFT report (probably only just up to ABCs) with this delightful statement:

"The OFT has said it believes default fees of £12 are likely to be fair.."

Really?!? Obviously can't count up to section 5.5 then:

"WE ARE NOT PROPOSING THAT DEFAULT FEES SHOULD BE EQUIVALENT TO THE THRESHOLD, AND A COURT WILL CERTAINLY NOT CONSIDER THAT A DEFAULT FEE IS FAIR JUST BECAUSE IT IS BELOW THE THRESHOLD"

So glad I'm in the upper sixth, and they're still in kindergarten..

Oh and they may well prove to be the first pre-pubescents to have the balls to take on the OFT with this little gem:

"We diasagree with their analysis, and believe that our current fees are both fair and legal."

[Don Quioxte]

sorry, but I am just having too much fun in replying to Mr Udy's letter today.. I forgot to tell you guys about the following sentence which I just find so apt in describing the sort of "issues" Capital One have..

"I UNDERSTAND YOU FEEL WE'VE ACTED IN A DECEITFUL AND OUTLANDISH WAY. I'M DISAPPOINTED YOU FEEL THIS WAY BUT WE'RE UNABLE TO CHANGE THIS PROCESS."

That is just so eloquently put, Wordsworth, Shakespeare, Tennyson, to name a few would have struggled to match that self-confession.. I read that as:

"We're outlandish and deceitful. We just can't help it."

[dave]

Ha ha - love it.

[EricTheRed]

I received a phone call from the executive office at Capital One today. They have offered to wipe the outstanding amount on the Mastercard (currently at £104.73) and waive all the charges on the VISA - app £120 on an O/S balance of £403 - but "obviously we can't clear the outstanding balance on that one". Considering that the total amount of penalties in now running at £1220 I will accept their offer but not in full and final settlement and will be pursuing them in the court for a refund of ALL the penalties plus interest. I asked her to confirm the offer in writing to me to which I will respond statting that the 14 days on the LBA is running from last Friday so hopefully I will be taking them to court a week on Monday.

Interestingly when she phoned she inferred that I had "copied the letter from a website as they had recieved quite a few of the same letter". Watch this space!!!!!!!!!!!!!!!!!

[Don Quioxte]

Phone Call number 77 (it's like a Morrissons advert..)

"Hi just ringing to see what correspondence you currently held on file"

"Erm."

"Look you get all your documents scanned in yes?"

"I think so"

"Good, can you see a letter I sent you last week dated 27 April?"

"Erm. no."

"Okay, well look it's quite important as it pertains to a time sensitive legal matter, and I just thought I'd draw your attention to it as I fully intend to file a claim against Capital One, one week from today."

"Erm. Ok. But you see the way our postal system works is that all letters are treated the same, and it will take 7 - 10 working days to be processed onto your account to be actioned"

(Funny, where have I heard that sort of time-frame before)

"Well, look, that's all well and good, but I'm telling you I have only given you 14 of real people days to respond, so maybe you'd like it if I faxed you a copy for your reference?"

"Erm. Well you see, the faxes get put in the same pile as the letters. So it won't get processed to your account any quicker?"

(I just gave up at this point I'm afraid - not at all my style)

"Right okay then. Erm I guess I better let you go. They might need you in the postal room."

[EricTheRed]

Don quite an interesting post. it's a bit like deja vu..............I was just wondering if one oof our poster - 2 minds - is that person?????????

[Tinkerbelle]

Originally Posted by Don Quioxte

"Right okay then. Erm I guess I better let you go. They might need you in the postal room."

PMSL