Beetlejuice vs CapOne

[beetlejuice]

Well recieved full Subject Access Request today from CapOne. Homework tonight, working out charges.......

Subject Access Request Posted 25.04.07

Subject Access Request/Statements recieved 16.05.07

Update soon

BJ

[ChloeJane]

Hi BJ!

Sounds like a long night ahead.

Thought I would give you some very useful links at this state -

1) What you can and can't claim for -
Guide To Reclaiming Bank Charges - April 2008 - draft

2) Interest - what you can and cannot claim.
Guide To Reclaiming Bank Charges - April 2008 - draft

3) Link to spreadsheets
Guide To Reclaiming Bank Charges - April 2008 - draft

If, you are wanting the simple method, just use the spreadsheet - simple Excel. Do not add 8% interest at this stage - all you are doing is putting your charges into the order of -

Charge - Amount - Description.

Any questions, post back!

CJ

[beetlejuice]

Thanks CJ

This is Claim no. 8 to date!!

Three sucesses so far, although one NW has paid money into closed/DCA account, and I'm trying to get it back!! Hey Ho.


Thanks for the interest, I'll be using Mindzai's Spready as before.

BJ

[beetlejuice]

Lucid or anyone,

I'm using Mindzai spready for credit cards still don't have a definative answer on how dates and balances work on input sheet, I need to know what balaance and what date. Either balanace on statement or balance once payment made.

Can anyone help. I'm using Ci rate from last staement recieved, but want to add the interest they charged me on the charges they made.

ta

BJ

[beetlejuice]

I've just been reading C_Allen vs Cap1 and v. useful it is too.

Still awaiting Mindzai's updated CC spreadie (any news??) Will use C_Allen's
34.0% ( I like that argument), will use CAP1's retail rate to calculate interest they've charged me on my charges.\Comments anyone ??

Waiting to do prelim and want to get it right first time.


Thanks

BJ

[beetlejuice]

Bump!!

Bj

[beetlejuice]

Update:

is this still the correct address for Crap one claims, prelim now done
nearly £4K inc 34.9% CCI. (C_Allen - Thanks).

Some one give me a nod and it's in the post tomorrow.

Capital One Services Inc
Trent House
Station Street
Nottingham
NG2 3HX


Thanks

BJ


PS if anyone needs a CC Spreadie then I think mine's in good shape any test welcome!!, it's essentially Mindzai's customised!! (Thanks Mindzai )

[ukaviator]

The Address is correct. . .

Good luck

Uk

[beetlejuice]

Thanks UK.

I'll keep you posted.

Prelim sent today!

BJ

[beetlejuice]

rec'd this letter yesterday...

Dear Mr Beetlejuice

Account No. 1111 1111 1111 1111

Thank you for taking the time to write to us about the fees we've added to your account. 1 understand you think these fees are unlawful and I'm sorry you feel we've treated you unfairly. Too right I think they're unlawful.

To explain, we automatically add late payment fees if your payment Is
missed, arrives late or isn't enough to cover your minimum payment. We'll add over limit fees if your balance goes over your agreed credit limit, which is £1400. Yes but it doesn't represent your costs incurred.

When we opened your account in April 2002, we sent you a credit card agreement which stated these fees. By signing and returning this to us, you agreed to the terms and conditions for the account, including the fees. yes I know, Iv'e asked for a copy but you have not sent it yet!!

As you're probably aware the Office of Fair Trading, OFT, haven't challenged the right of banks to charge default fees, but merely the level of those fees. Although we feel £20 is a just fee, we've reduced our fees to £12 so that we're in line with our competitors. I appreciate that you've incurred previous fees at the higher rate, and would like to address this. We can and will address this in court.

I've reviewed your account and, as a matter of goodwill, I'd like to reduce the fees we've added to your account to £12 each. This amount is £311. I would also like to offer a refund of an additional amount, £30 as an acknowledgment of any interest you may have incurred. This amount totals £341. If you would like to accept this please sign and send back the settlement form 1 have enclosed in this letter, once 1 receive this back I'll add these refunds onto your account.
Think again!!
To avoid more fees, you need to make sure we receive your monthly payments on time. On your statement, you'll find your payment due date and a date we recommend you make your payments by. Also, you need to make sure your balance doesn't go over your credit limit. Well if you hadn't added the fees it would have gone over limit.

While you're disputing these fees, it is important that you maintain payments as your account balance consists of transactions that you have made. No mostly fees now actually and interest you have charged me on them!. Failure to do this may result in negative information being recorded on your credit file, which may affect your ability to gain credit in the future.

I hope I've explained things clearly, but if you do have any other questions, please write to me again. You'll find my address in the leaflet I've included, which also explains our complaints procedure. If 1 don't hear From you within four weeks I'll consider this matter closed. Well I'm not happy and will obviously persue this matter further, see LBA winging it's way to you.

Please accept my apologies for the inconvenience this has caused and I'm sure we'll be able to put this experience behind us. If you 've done nothing wrong, and it's all my fault, why are you apologising

(Please note, calls to the 0845 number at the top of this letter will be charged at a local rate. The cost will vary depending on your service provider. Calls may be recorded/monitored for training purposes)

Yours sincerely
Ellie Renshaw
Executive Office Manager

Now, where is that response letter people have been sending to EGG on the £12 charge issue.??

Comments anyone.

BJ

[WendyB]

Bog standard stuff from them, I had the same. Sent them a combined partial acceptance/LBA, got a letter back basically saying naff off we're not giving you any more money. They won't pay out at this stage, you'll have to file at court after the LBA, but then they seem to pay up fairly quickly. They'll say they're going to defend but then make you an offer.

Wendy

[beetlejuice]

Thanks Wendy,

Are they paying out all interest on charges and 8% or CI in your experience.?

BJ

[ukaviator]

It is a bit of a Lottery with CCI. Ask for it, you may get lucky.

[beetlejuice]

Thanks UK.

Is there a reject/LBA temp for CC's? or should i cobble one up?

BJ

[ukaviator]

I think DOO has one on her thread you could amend.

Uk

[beetlejuice]

Just re read the letter Cap One sent me.

Surely, they should be charging fees that re recouping their costs not....

"we've reduced our fees to £12 so that we're inline with our competitors"!!!!

So it is a penalty charge then, think I might use this letter in court
!!!

BJ

[ukaviator]

Yes, keep everything as evidence.