Payment Plan Mess up VERY ANNOYING

[palmski]

Hello Everyone
Serveral months ago I entered into a payment plan with captial one and agreed to pay £70 a month to clear my overlimit amount. All was fine until the day of the first payment where I realsied I had not put my account number as the Reference for the standing order. So I phoned and a helpful member of staff located the money in a holding account and tranfered it to my account and told me everything woul fine.

However about 10 days, unhelpful member of staff rang to request payment as no payment had been paid and thus I had broken the payment agreement, I explained the situation to her and she found that I paid made the payment but it was tough. I rufused to make another payment as I had made the orignal in time of the agreed deadline and would be making a payment by the next agreed deadline. However 10-14 days they would ring and request payment I refused and they could see I making monthly payments to the account.

Anyway after several months I told them that I was now dealing with the citzens advice beurau, and was told I needed to phone this deaprtment and deal with them. So I did and explained the situation to the gentleman and he said I had been given the wrong department. However he was very helpful and did look into the account for and agreed with me that the 1st payment had been paid before the agreed deadline. He then spoke the the collections team you where unwilling to do anything for as, I had still broken the agreement.

In all what a a load of C&B I was told by the collections time. They evn disputed with a member of their own staff you could quite cleary see I had paid on time every month during the agreement. At the end of the payment I suppose to get 2 or 3 charged back on my account that been applied, but didnt due to me breaking the agreement.

Has anyone else had this problem or can they suggest something?
Does anyone have the address for the executive office? As the last helpful bloke said about dealing with them to sort it out.

Sorry if its a bit long guys

cheers

[thesergeant]

Palmski,

All the information you need is in this forum, when you first enter this section you will see a thread for Capital One addresses, and other known addresses can be easily found by searching the forum.

I would suspect that you need to consider pursuing them for repayment of all the unlawful charges you may have amassed. Read up on the process in the FAQs it is not that difficult, but you need to understand how it is done.

Good luck