advice needed please

[lillian6033]

i have started a claim against capital one for charges made against my credit card. They have sent me a letter stating that it as been agreed that a fair charge is 12 pounds so they have said in the letter that they will only refund the difference from their charge of 18 pounds which leaves me with a refund of 6 pounds per charge are they within their rights or should i still reclaim the full ammount advice please

[syrill-sneer]

Carry on and claim for the full amont.

[redsonja]

Lil, They try this with everyone...they wont increase their offer either so you will need to go the whole hog and file at court to get the full charges.
Good Luck

[ukaviator]

It will take time Lilian, you will probabaly have to go through the whole process to court stage. Don't forget to have a read up on Contractual interest as well. Claim this back as it is what they have charged you.

Good luck

Ukaviator

[lillian6033]

thanks for the advice everyone capital one have sold my debt to a debt collector who i am paying off at 20.00 pounds a month so the sooner i get this sorted the better thanks again

[greengrocer]

Good luck Lillian - I'm at the court claim stage with Capital One now - they did the same thing with me re the reduce the charges to £12. I must say it happened pretty much exactly as the posts on this forum said it would, so read through the stuff on here a few times and you'll have a better idea of what to expect.

Good luck!
GG