spinningfish V Capital One

[spinningfish]

Capital One put a late payment fee on my account about 6 months ago, which put me over my limit. Ever since then they have been applying more and more charges - It's upto about £600 so far!! And yet they keep going. They keep ringing my mobile ALL the time. It's driving me potty. I keep telling them that if they refund the charges, which are unlawful anyway, then I will pay for the part of my account that I actually owe!

I sent off the Subject Access Request, Recorded Delivery, with the required fee, on 11th November 2006.... Still nothing received. Not even an acknowledgement.

At what point do I hit them with another letter? is is after the 40 days has passed? What letter do I send then?

Thanks

Spinning...

[spinningfish]

OK. Posted them them a Subject Access Request reminder letter telling them their time is running out, and the harassment bit, as they keep ringing me ALL THE TIME!!!

The only thing that conerns me is that once they have removed the charges, will they close the account and demand all the money, that I rightfully owe them, back in one lump sum???

I'd be royally shafted if this was the case....

[stadium_arcadium]

With my settlement they paid off my balance and sent me a cheque for the remainder. This seems to be the norm. When I called to close my account they tried to talk me out of it!!! It wasn't until I reminded them I had recently claimed back their unlawful charges that they gave in! Unbelievable!

[spinningfish]

OK. Got the list of charges and sent of my letter asking for it all back, as per the templates. This was sent Special Delivery on Wednesday last week.

I haven't been paying the minimum charge every month because of the dispute of charges. However, just got a call from Crap One's pre-default depatment saying that they're going to default me if I don't make a payment to them by the end of December.

Anything I can do?

Thanks

Mr Fish

[ukaviator]

Hello

You must still make your monthly agreed payments even though you are claiming from them for your charges. Otherwise they will default you and that is hassle you don't need.

Uk..