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The Bank Action Group - against unlawful bank charges
> Other Institutions > Capital One


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Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

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Old 6th June 2006, 19:08   #1 (permalink)
honey28
Basic Account Customer
Default Honey v Capital one

Sent off my Data Protection Act yesterday to several places, Capital One being one of them. It has been signed for today.... let the 40 days commence.
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Old 6th June 2006, 19:08   #2 (permalink)
barracad
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Default Re: Honey v Capital one

Good luck! Keep us posted.
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Old 13th June 2006, 17:04   #3 (permalink)
honey28
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Default Re: Honey v Capital one

Checked my account today and Cap1 havent taken the £10 Data Protection Act yet, even though it was signed for last week. ahhhh, its frustrating waiting!
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Old 13th June 2006, 17:24   #4 (permalink)
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Default Re: Honey v Capital one

Don't worry about it, the 40 days counts from when they received payment, not when they cashed it.
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Old 13th June 2006, 17:35   #5 (permalink)
honey28
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Default Re: Honey v Capital one

Thats good to know, thanks for that. Another quickie - its 40 days from the date it was received - does this include weekends? I think it does, just checking.
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Old 13th June 2006, 17:43   #6 (permalink)
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Default Re: Honey v Capital one

Yes. 40 calendar days.
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Old 13th June 2006, 18:30   #7 (permalink)
honey28
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Default Re: Honey v Capital one

Thanks Barracad. I'll keep waiting....zzzz....zzzz!! !
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Old 11th July 2006, 17:23   #8 (permalink)
honey28
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Default Re: Honey v Capital one

I received my special delivery package today - off to total it up, will report back later!
They still havent cashed my £10 cheque -nor have they returned it??
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Old 11th July 2006, 18:16   #9 (permalink)
grahambl
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Default Re: Honey v Capital one

Capital One will supply statements for free at the moment. It doesnt excuse why they haven't returned your cheque but I wouldn't expect them to cash it either...
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Old 11th July 2006, 18:20   #10 (permalink)
honey28
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Default Re: Honey v Capital one

Thanks Graham.
I have totalled up the payments. I calculate that they have charged me £216. I know its a small amount compared to some of the claims but it didnt help my financial situation at the time and its mine so I want it back!!

I've done my prelim and its ready to go. Its a bank holiday in NIreland tomorrow and Thurs so I wont get it posted until Fri.

It goes to the same address as the Data Protection Act doesnt it?
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Old 11th July 2006, 18:24   #11 (permalink)
grahambl
Basic Account Customer
Default Re: Honey v Capital one

Yeah. the executive office in Nottingham I think. I am having quite a lot of fun with them at the moment. I am about £90 over my limit but have told them the amount is in dispute as they owe me the charges back. You should have heard the guy stutter when I told him I was paying nothing until it is sorted out.. Good luck (not that you need it)
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Old 11th July 2006, 18:36   #12 (permalink)
lickthewallfatboy
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Default Re: Honey v Capital one

absolute ditto with my wife the other day-lots of ummss and aaahhhsss,and finally the caller said to hold on and she would connect the mrs to another dept....

capital one hung up......some call transfer!!
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Old 14th July 2006, 16:13   #13 (permalink)
honey28
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Default Re: Honey v Capital one

Prelim posted today requesting £216 be refunded!
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Old 25th July 2006, 17:13   #14 (permalink)
honey28
Basic Account Customer
Default Re: Honey v Capital one

updating to keep myself right

Data Protection Act request sent 5th June
Data Protection Act request rec'd. Pre lim sent 14 July - signed for on 17 July
LBA to be sent to be recd on 31 July if no response

Last edited by honey28; 28th July 2006 at 20:53.
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Old 29th July 2006, 17:07   #15 (permalink)
honey28
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Default Re: Honey v Capital one

Sent my LBA today to our good friend Mr Udy. Havent heard a dickey bird from him in response to prelim. Here's hoping they reply to this one.
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Old 29th July 2006, 17:48   #16 (permalink)
lickthewallfatboy
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Default Re: Honey v Capital one

they most likely will ignore you,or reiterate that their charges are transparent...too right they are.....
Everyone can see through them now!!
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Old 29th July 2006, 18:25   #17 (permalink)
candyfloss
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Default Re: Honey v Capital one

Quote:
Originally Posted by honey28
Sent my LBA today to our good friend Mr Udy. Havent heard a dickey bird from him in response to prelim. Here's hoping they reply to this one.
Good luck with your claim Honey, I'm still waiting for my statements and the 40 days are quickly ticking by....this is day 24...they haven't cashed my £10 cheque either...!!

I ll look forward to hearing how you get on with your LBA.
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Old 29th July 2006, 19:23   #18 (permalink)
honey28
Basic Account Customer
Default Re: Honey v Capital one

I didnt get my statements until almost the last day. I was cracking up - I'm not a patient person!!
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Old 31st July 2006, 19:26   #19 (permalink)
emmaphill
Basic Account Customer
Default Re: Honey v Capital one

Ditto i recieved my statements with 1 day to go but at least they sent them unlike some i can mention (abbey)

Good Luck!
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