Consumer Action Group envelope labels
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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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Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road
London
NW11 7PE
| | | | CAG Announcements
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| | | | | | Welcome to The Consumer Action Group
and
The Bank Action Group
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.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges. We strongly suggest that you register under a UserID and not your own name |  | 
13th February 2007, 14:23
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#1 (permalink)
| | Classic Account Customer
I am in: Tyne and Wear
Posts: 177
|  birchave0 v Capital One
S.A.R - (Subject Access Request) sent 20-1-07, statements arrived today, first one to arrive from anyone! Strange thing is I requested a copy of my CCA at the same time, in the same envelope, No CCA arrived does this now mean they are in default? How do I work out the APR when I don't have a copy of my CCA? I don't know which rate to apply, it's a Platinum card, any one know? Capital one website says 15.90% standard and 21.94% for cash purchases, which one will I use? Itching to get started, I've got £316 in charges on this one card! Yikes!!!!  Any advice anyone?!!!! Thanks in advance!
__________________
9-1-07 S.A.R - (Subject Access Request) sent:o !! Lloyds and Halifax!
20-1-07 S.A.R - (Subject Access Request) sent Capital One
20-1-07 S.A.R - (Subject Access Request) sent Halifax Card Services
20-1-07 S.A.R - (Subject Access Request) sent Marbles
20-1-07 S.A.R - (Subject Access Request) sent Halifax (Birchave0's sis)
8-3-07 PPI refund Lloyds TSB Loan £1200 + £2900 off loan balance
22-5-07 Halifax *Won* £1025
23-9-07 Goldfish 8k balance written off, £2300 PPI + charges returned, no agreement | 
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14th February 2007, 12:49
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#2 (permalink)
| | Classic Account Customer
I am in: Tyne and Wear
Posts: 177
| Re: birchave0 v Capital One
Anyone??? What will I do about the CCA???? I need to make a monthly payment, do I make the payment? Also which is the best spreadsheet to use to claim contractual interest on a credit card? Help!!!!! | |
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14th February 2007, 13:08
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#3 (permalink)
| | Classic Account Customer
I am in: Tyne and Wear
Posts: 177
| Re: birchave0 v Capital One
bump!!!!!! | |
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5th March 2007, 12:50
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#4 (permalink)
| | Classic Account Customer
I am in: Tyne and Wear
Posts: 177
| Re: birchave0 v Capital One
I have calculated £316 in charges, sent Prelim letter 26-2-07, still no sign of CCA though. They rang me to ask for payment, so I asked where my CCA was, what do you want it for? That's my business, just send it, still no sign  | |
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5th March 2007, 16:50
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#5 (permalink)
| | Classic Account Customer | Re: birchave0 v Capital One
birchave0,
I called them and asked, they were actually quite helpful, my rate was 21.9% applicable to charges, the same as the purchase rate.
Good luck  | |
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9th March 2007, 14:27
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#6 (permalink)
| | Classic Account Customer
I am in: Tyne and Wear
Posts: 177
| Re: birchave0 v Capital One
Thanks for that sergeant, I had a call from C**p one today, nervous foreign gentleman, offered me £112 back for my charges. They have received my letter and that is what is on offer. I sais thanks, but no thanks, my charges are £316 plus interest, he said I know that but you are the one who went over your cc limit, no I didn't! My charges are all for late payments!!! What a load of c**p!! They don't even look at your account do they?? Well I'm rather full of myself after my triumph over Lloyds TSB re my PPI payments (getting it all back!!)  So I said no I want the full amount, chap went off to talk to someone, came back and then said goodbye!!!! Strange........
Watch this space!!!! 
ps still no sign of copy CCA???? | |
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
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