Capital bank (Bank of Scotland)

Stevejr147 · 3rd May 2006, 15:18

Sent my prelimenary letter to Capital bank regarding the £400 in charges and today got a very serious message on my mobile telling me its VERY urgent I return the call!!!

The urgency was they have recieved my letter and it was too tell me i was very silly and the charges were all legal, they wouldnt be getting returned and they would not be contacting me by letter regarding this issue. Then she went on to ask me to explain WHY the charges are illegal. I said its all in the letter............well I dont have it in front of me she said so can U explain. I said well im not a lawyer and I dont have the info in front of me but can u give me a breakdown of how it costs you £30 to send a letter saying a DD was returned??? NO she said I dont have to!!! Then she 'Strongly' advised me to take my T's&C's into a lawyer so he can point out to me what a fool I am and how they are right etc etc

That will be that then lol, im guessing this is where I send my Letter before action???

Tinkerbelle · 3rd May 2006, 15:37

The cheek of it!!

LBA next then money claim

Jamboray · 5th May 2006, 16:10

Sounds like they are getting a bit p7ssed off with all the returns they are having to do and seeing their bonuses reducing.....shame really

give_me_it_back · 3rd July 2006, 15:49

is it 'moneyclaim'...? Is this action in Scotland? I thought we couldn't use moneyclaim..?

Thanks

wsm36 · 3rd July 2006, 20:38

Hi m8, is this Capital Bank that do the car finance etc? I finished paying off my car with them in December even though I got hammered with charges over the years. If it is the same could you post their address please 'cause I don't have any of the paperwork anymore, binned it all.

As for the Moneyclaim thing if you live in Scotland you more or less have to go through the Scottish system, the sherrif court, I'm afraid.

give_me_it_back · 3rd July 2006, 20:57

I don't think so... this is Capital One... Sorry

give_me_it_back · 3rd July 2006, 20:59

sorry! Thought you were asking me! Wait for an answer from OP. Might be. Yes - I thought you couldn't use moneyclaim in Scotland.

Ewan · 3rd July 2006, 22:16

You're right, you cant. Check the sticky at the top of the scotland forum for the relevant paperwork.

Stevejr147 · 4th July 2006, 17:13

Hi WSM36

Yup Its Capital bank car finance, Ive been having a nightmare with my claims I had to move house and my Ex Cleared the house out with all my bank charges info laptop with all my details etc so im having to start from scratch again.......here is the address I was dealing with.

Capital Bank accounts dept
City house
City Road
Chester
CH88 3AN

0845 60000655 is a phone number I have, not sure which dept tho.

Cheers

Stevejr147 · 4th July 2006, 17:16

Oops

0845 6000655

One to many 0's above

wsm36 · 4th July 2006, 19:01

Thanks Steve that's the very one I want, you're a star. I knew I should have kept those letters.

buzby · 27th September 2006, 20:35

Can I stoke this thread alive again....
I sent Capital Bank an RD letter in July to the address above, giving them the 40 days notice to respond with the relevant information of the charges applied to the account over the years. The letter was signed for the next day, but there was no formal reply on any kind - they may have tried to phone but I block anonymous calls.

I now discover they've moved to a new address in Chester (not City Road) so I'm wanting to reactive the original demand, or even get them as a default response - as HBOS still operate from that address (the letter was sent to the Chief Executive).

Any good ideas on what I should do next to keep them on thier toes?

Cazziebo · 25th November 2006, 01:02

Anyone ever won against them?

Cazziebo · 25th November 2006, 01:03

PS = you can use moneyclaim in Scotland - you only need an address for mail in England,but you can be resident in Scotland

buzby · 25th November 2006, 11:15

MCOL is not recommended, if the action is defended you can lose big time if they use the system to delay and rechedule. Taking action in the correct jurisdiction saves problem later, as it's one less thing to worry about.

As to has anyone 'won' I've now received my S.A.R - (Subject Access Request) (and for free) so an action will be prepared once the numbers are crunched!

martymk6 · 14th December 2006, 02:36

Capital Bank Group - Car Finance

Collections and Recoveries Dept
Tel: 0800 015 3618
Fax: 01224 872 309
Email: Group_Payments_Centre@Ban kofScotland.co.uk

Just some more details. Hope they are of some use to someone.

marty

martymk6 · 16th December 2006, 16:39

Capital Bank Plc new address:

Charterhall House,
Charterhall Drive,
Chester
CH88 3AN.

MP

vincebio · 1st February 2007, 14:02

hi all, new member today, just sent my 1st letter off to them. A certain (most likely) made up Mr G. Stanfield.

Also a copy to the banking ombudsman...

great site!!
used Govan Law Centre last year for a successful claim of £700 at first attempt, although im hearing Capital are much harder to win with.....we shall see....

that Charterhall address is the new one 100%, so defo correct.

Who is Capital Bank Chief Exec?, anyone know??

My story is a cracker... :

They sent 5 letters demanding over 100pounds in letter sending charges after i missed a DD on xmas eve......TO THE WRONG ADDRESS!!!

My old neighbor delivered them to me and even though they then sent a 6th letter to my correct address, they kept on the charges knowing they had sent to the wrong address.....

keeping aside the whole issue of unfair charging, this is total scumism.

may actually just throw my car keys in an envelope and tell them to ram it, as im 50% thru my payments anyway...

buzby · 1st February 2007, 15:51

No CEO to my knowledge. All back office work at Capital Bank is now proivded by Halifax, and all SARs go to them. My last S.A.R - (Subject Access Request) was incomplete and I'm not happy with ther responses.... welcome to the club!

CAG Products - We think that these will help you to make your claim or Reclaim your Right These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit	Small Claims Court Guide	CallBurner - Skype CallRecorder Review	Last Will & Testament Kit	Fight a Motoring Ticket

Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here.
UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki N.B. Please note - due to postage costs these products are only available in the U.K.