Consumer Action Group envelope labels
You are part of a community of over 195,000 people. Let your bank know that you won't give in. Display one of our labels on your envelopes. Full description here
Sheet of 20 self-adhesive envelope labels £3.50 inc p&p
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7th April 2006, 22:52
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#1 (permalink)
| | Gold Account Customer | Capital Offence Hey comrades! I'm gonna use this thread for postings re: my action against capital one.
Requested on Wednesday (by phone) no Data Protection Act letter for statements since May 2004 - they said they would be with me within 7-10 days - assured me I didn't need to write or send a DPA payment - suits me.
Was delighted today to see that Capital One have added another £20 charge for exceeding my £200 credit limit with a £6 transaction on Tuesdy. Rang them in Bangalore or Delhi or Mumbai, and hung up each time until I finally got through to Nottingham:
"Hello you've just charged me £20 for exceeding my limit by £6. Would you be so kind as to consider a refund?"
"No."
"Errm, okay then. What about the OFT findings - do you not realise your charges likely breach the fairness test of the UTCCRs, and are condemned by the OFT?"
"Nope. Totally legal. Read your terms and conditions."
"Yes, but you're t & c's are unfair and therefore unlawful. No court would award you "general damages" of £20 for me exceeding my credit limit by £6.."
"So."
"So please will you consider a refund. I don't want to drag your deceitful, manipulative, condescending, immoral, smelly arses through the Small Claims Court (Okay I didnt say this last bit). Just be reasonable with me."
"No. Is there anything else I can help you with today Mr Cervantes?"
(I was about to go into the whole " well as you've not helped me yet..." but I resisted)
"Yes actually. What is the address of your legal department for me to forward my preliminary letter outlining my intent to pursue legal action? Cheers, Thanks, Ta."
AND SO THE JOURNEY BEGINS.... |
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10th April 2006, 10:52
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#6 (permalink)
| | Site Team The Consumer Action Group | Re: Capital Offence Who is in a position to make banks move this money in a timely fashion?
Maybe we should start a campaign against them.
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10th April 2006, 12:04
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#9 (permalink)
| | Platinum Account Customer | Re: Capital Offence Quote: |
Originally Posted by Natasha well in most other countries the mooney is transfered the same day!!  | Which makes you wonder - as most of the UK banks have a global presence, what is their clearing period in other countries...? |
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10th April 2006, 13:09
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#13 (permalink)
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oatman
Guest | Re: Capital Offence I paid cash in an envelope into a machine inside my local Halifax branch. This is for customers' convenience to save queueing. I couldn't see the money in my account online. Went into the branch and was told it takes 3 days to clear. "Darling" I said, "but cash doesn't clear, it's CASH." I was told they have to open the machine and check the money before it can be credited to an account. I argued that they must do that every night, but they even denied that.
Also one of their cheque clearances takes 7 days. Work that one out!
I worked in a bank 40 years ago and it only took 3 days to clear a cheque and that was by post.
Banks are crooks and staffed by clowns. | |
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10th April 2006, 18:29
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#14 (permalink)
| | Gold Account Customer | Re: Capital Offence Ha.. I'm putting the windies up Capital One gist of the conversation I just had...
"Hello. I've just spoken to the Office of Fair Trading, and Consumer Direct, they've asked me to ring you just to clarify an issue before reporting you to them.."
"oh really? what's that?
"Well, you know I paid you that £90 on Thursday and you told me it won't show on y account for another 4-5 working days?"
"Yes I can see that payment."
"Well, as it was paid by debit card, you received an authorisation code that approves the payment, deducts it from my account, allocates it to your merchant number, and is guaranteed to be honoured by my bank."
"Yes."
"So my question is where is that money? Why if you insist on not allowing me to have access to it as cleared funds, do you not at least mark my account as having received that payment?"
SILENCE, sound of static, re-adjustment of headset
"See, I've just realised that not only do you bugger me about by ensuring I dont have cleared funds for another week, you continue to charge me debit interest.." (I then launch into a monologue on ethics, the restaurant analogy (see previous posts) and how I am raising a complaint with the OFT with regards Capital One's payment terms...
SOUND OF PIPED MUSIC AS I AM PLACED ON HOLD BEFORE:
"Mr Cervantes, I have had to fill out a form requesting that a manager call you bck within the next two hours to discuss this issue.. blah blah"
Well I don't care, the more hassle I can cause them, the better - they're gonna have to file an injunction for a restraining order against me soon.. and they'll lose that case as well!!! |
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21st April 2006, 16:55
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#18 (permalink)
| | Gold Account Customer | |