minimaya wants over £1000 back

[minimaya]

hi all my husband had capital one card from2002 with £200 credit limit, unfortunetly went over limit and missed payments, so unbelievebly owed amount soared. I have gone through ststements and we have paided them ...wait for it.......£1462, for the 200 quid they lent us! they still say he owes £842.63, and as a goodwill guesture have agreed to remove £432, from bill. Can we claim all our money back, other than the original £200/ I,m confused, there time is now up and it,s time to go to court, but my husband doesn't want to lose anymore money and just wants to pay c1 to settle account. What should we do, i think they have taken enough money from us, we both work hard and have three children, that money could pay for a nice family break!

[martinhw]

If you are saying that their time is up and it's time for court, you would have had to have sent a prelim letter + schedule, a LBA letter + schedule and then prepare a new schedule to accompany your MCOL or N1 claim form.

The schedule will tell you exactly what is owed to you. I am a little concerned that you are asking how much they owe you.

So I can help you better, have you sent the prelim and LBA with your schedule of charges. Also are you claiming statutory or contractual interest?