chrissy - v - capital one

chrissy3554 · 10th February 2007, 00:40

Hi All,
Right so here we go - just received all my statements for 2 x capital one accounts. How do I now work out what is owed to me? Any help would be appreciated.
Thanks, Chrissy

thesergeant · 10th February 2007, 00:53

Chrissy,

You need to total up all the charges and interest charges.

read through the FAQs and numerous threads. Make sure you understand the process and options available to you.

It will make sense what you have the knowledge.

Good luck

chrissy3554 · 10th February 2007, 01:17

Thanks for the advice thesergeant.
Have done a quick calculation and so far on 1 cap one account will be claiming £592 + int and on the other cap one account will be claiming £1484 + interest. I feel a good holiday coming up!!!
Chrissy

thesergeant · 10th February 2007, 02:13

Chrissy,

Sounds like you have a nice set of claims. read up on statutory interest (the 8% rate which only applies once you have lodged a claim) and "contractual interest, which you can claim at the outset - ie they have unlawfully taken money from your account therefore you can claim interest on the money at the equivalent to their unauthorised borrowing rate.

There are plenty of FAQs and threads on these issues, choose the one you are comfortable with and go for it ...............

Good luck ........

chrissy3554 · 11th February 2007, 23:05

Thanks the sergeant,
Just typing up the prelim letter - which address do I sent it to?
Is it PO Box 5281 or
Rob Udy at PO Box 5283?

Any help would be appreciated.
Chrissy

TANZARELLI · 12th February 2007, 12:15

http://www.consumeractiongroup.co.uk...e-default.html

This may be of use to you. Feel free to pinch anything you need from here.

Tanz.

ukaviator · 12th February 2007, 12:37

CapitalOne Bank (Europe) Plc
PO Box 5281
Nottingham
NG2 3HX

TANZARELLI · 12th February 2007, 13:17

Or:

Capital One Services Inc
Trent House
Station Street
Nottingham
NG2 3HX

If you dont want to use a PO Box on your MCOL or N1.

TANZARELLI · 12th February 2007, 13:18

Capital One Bank (Europe) plc
350 EUSTON ROAD
LONDON
NW1 3JJ

Or this

chrissy3554 · 12th February 2007, 16:05

Thanks Tanzarelli and ukaviator,
Wanted to get letters off as soon as, so this morning have sent to
Legal Compliance Specialist
Capital One Bank (Europe) plc
Trent House
Station Street
Nottingham NG2 3HX.
This is for both Cap 1 cards that I have - it seems ridiculous but only last month they charged me a late payment fee on the same day as the payment went in! Oh well, at least there is some light at the end of the tunnel. I must say that they are the first of my six applications to have returned the info required and they haven't cashed the £10 cheques as yet.
Chrissy

chrissy3554 · 15th February 2007, 00:33

Hi Folks,
Just noticed today when checking on-line that they have now cashed both £10 cheques!!!!

chrissy3554 · 25th February 2007, 22:13

Hi Folks,
Received letter yesterday from C(r)ap One stating -

Thank you for writing to us about the charges on your account.

It's going to take us a little while to look into your situation and come back with a detailed response. We'll do everything we can to get an answer to you within four weeks of this letter.
If for some reason our investigations take longer than four weeks, we'll contact you to tell you why this is.
Thank you very much for being patient while we collect the information we need.
Yours sincerely

Robert Udy
Executive Office Manager

Can anyone advise next step please?
Regards, Chrissy

TANZARELLI · 25th February 2007, 22:50

Quote:

Originally Posted by chrissy3554

Hi Folks,
Received letter yesterday from C(r)ap One stating -

Thank you for writing to us about the charges on your account.

It's going to take us a little while to look into your situation and come back with a detailed response. We'll do everything we can to get an answer to you within four weeks of this letter.
If for some reason our investigations take longer than four weeks, we'll contact you to tell you why this is.
Thank you very much for being patient while we collect the information we need.
Yours sincerely

Robert Udy
Executive Office Manager

Can anyone advise next step please?
Regards, Chrissy

Usual letter, stick to your timescales and then send LBA

chrissy3554 · 25th February 2007, 23:54

Thanks Tanz, will keep a check on dates and send LBA when due.
I will work to my timescales - not theirs.
Regards, Chrissy

TANZARELLI · 25th February 2007, 23:57

Thats the spirit girl.

TANZARELLI · 26th February 2007, 11:58

Thanks for the click

Tanz

chrissy3554 · 2nd March 2007, 23:17

Hi Folks,
Just a quick update. Have today received a partial offer from C(r)ap One for around one third of what I am asking. The offer letter reads the same as Tanz's #3 with a Complaint Settlement Form attached for me to agree and sign.
Tanz would it be okay for me to use your letter as on your #4 link and adapt for myself?
Regards, Chrissy

chrissy3554 · 2nd March 2007, 23:20

Hi,
If a moderator is signed in.................where' s the avatar's gone to?
Chrissy

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