Shozie V Capital one

[Shozie]

Posted Data Protection Act to capital one today, will keep you all posted to what happens

Cp1 were charging me 56 quid a month for being over drawn god knows how they worked that one out me credit limit was only 500 pounds.

Went over drawn being a student had money troubles now its just snow balled

They have now passed it on to debitas??

should i set up payments to debitas Any ideas anyone

Thanks Shozie.

Hi, and welcome!

Please read the FAQ's section before beginning, as you will have a lot to read and take on board first. If you then have any questions which you need answering, please feel free to post again after this.

We are here to help, but ultimately, its your claim and your responsibility!

Good Luck,

Louise x

[Shozie]

They have now passed it on to debitas??

should i set up payments to debitas Any ideas anyone

Thanks Shozie.

[knobby1]

shozie ring debitas and tell them the amount is in despute they might be able to hold off for a few weeks but knowing debitas like i do they will want money and quite alot i dont think they will settle for any less than £100 a month (well they didnt with me) and i only owed them £300 if you do not agree to make payments to debitas they will return it to C.1 who will pass it on to another firm that will accept smaller payments. good luck with your claim with C.1

[Shozie]

Originally Posted by knobby1

shozie ring debitas and tell them the amount is in despute they might be able to hold off for a few weeks but knowing debitas like i do they will want money and quite alot i dont think they will settle for any less than £100 a month (well they didnt with me) and i only owed them £300 if you do not agree to make payments to debitas they will return it to C.1 who will pass it on to another firm that will accept smaller payments. good luck with your claim with C.1

Thanks for your advice I will give em a call tommorow.

[Shozie]

Still aint heard a thing from capitalone not even a reply to my Data Protection Act request?

even though i have proof of delivery was on 26 may. this is the address i posted to

Capitalone
350 Euston Road, london
NW1 3JJ
is this the right address I got it of a link from here, cant remember where
though. For there registered office.

Instead of speaking to debitas i spoke to debt councellors who spoke to them on my behalf and explained my circumstances, sent them a breakdown of my incommings and out goings, im only paying em 2pounds a month now lol.

Any Recomendations or suggestions much appreciated
Thanks shozie.

[sunnyjools]

Hi Shozie

Dont know where you got the address from but I sent my Data Protection Act to

Legal Compliance Specialist
Capital One Bank (Europe) plc
Trent House
Station street
Nottingham
NG2 3HX

reply came within 2 wks

[Shozie]

Got my statements today going back to Oct 2002 at first glance I have 22 x £20 charges amounting £440 also £50 in interest.

Just goes to show all the money they say I owe them is all their illegal charges!!!

Gonna send them the template asking for my money back tommorow.

Do i include this interest or or just the £440?

Thanks shozie.

[Shozie]

Can someone please help me with regard to the suggested charges that i need to send them with my request for my money back.

im not to sure if I include any interest that they added when I was in the red?

or is it just the dates when the charges occured, and request the interest later

Please help I would Like to post Letter Today

Thanks Shozie.

[jamesrouse]

Originally Posted by Shozie

Can someone please help me with regard to the suggested charges that i need to send them with my request for my money back.

im not to sure if I include any interest that they added when I was in the red?

or is it just the dates when the charges occured, and request the interest later

Please help I would Like to post Letter Today

Thanks Shozie.

i'd just claim the charges, the intrest is an harder one to work out, and it more than covers there costs

[Shozie]

Originally Posted by jamesrouse

i'd just claim the charges, the intrest is an harder one to work out, and it more than covers there costs

Thanks james for quick reply,

I wiil post now.

Shozie

[Shozie]

Got a letter from cap1 dated the 13th july offering me £164 back has a goodwill gesture the differance between the charges and £12 that the oft stated.

they also have KINDLY reminded me that has my account has defaulted that the debt has been passed to capquest....It seems that they dont realise its because of them and there excruciating charges that caused this in the first place..

Can anyone help me out in regards of what to put in a letter to them has i will not be accepting that offer, has a closure of this complaint has they put it.

Thanks shozie.

[HKS]

Hi Shozie.

You can either accept their offer as PART settlement saying that you will be taking them to court fir the rest. Then fill in a moneyclaim form online or N1 form.

Or refuse and fill in moneyclaim or N1 form.

They are such sods.

[HKS]

In the FAQs, they suggest you take it as a part settlement then file papers for the rest.

Good luck!!

[Shozie]

Thanks HKS just composed a letter for what you suggested above About a Partial Settlement
And going to court for the rest

After the 7days have passed i'll file a claim if the wont settle

Thanks Shozie.

[HKS]

Good for you!! Keep us posted.