capital one credit card charges wont pay back ***WON***

**oggy1** · 23rd November 2007 17:09

hi to everybody,
have tried to get my charges back on my visa card , £276.00, after the letters and lba icon

they have refunded £88.00 back and are refusing any more even though i told them i would take court action.
what are Capital One icon

like and is it worth pursuing the balance as they suggest even if i contact the financial Ombudsman icon

they are right.
please any help would be appreciated.

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**steven4064** · 23rd November 2007 17:57

Originally Posted by oggy1

they have refunded £88.00 back and are refusing any more even though i told them i would take court action.

Then you should take court action. They will quickly give in.

**oggy1** · 25th November 2007 13:04

thanks for the advice ,
when they send all the letters back , i seem to loose it a little and become unsure.
its great to be able to get some reassurance.
will be issuing court papers soon

**dj59** · 25th November 2007 13:18

Have had two claims against cap one icon

on both occasions they have paid the full claim amount once the Court papers have been issued.

Carry on and issue your claim through the court they will pay up

**oggy1** · 25th November 2007 19:16

thanks dj59,
will be issuing claim in a couple of days

**ukaviator** · 26th November 2007 11:13

Hello Oggy1

Please don't use MCOL online, as they will automatically "Stay" your case. Use the N1 court form and file it yourself. Also you will get all of the new POC icon

on the form, with MCOL you have no space in the box for a full POC.

**oggy1** · 27th November 2007 22:54

thanks ukaviator , will do that .
just sorting it out and will file this week.

**maroondevo52** · 27th November 2007 23:02

Hi, Oggy1.

As soon as Cap 1. received my Summary Cause Summons they paid up pronto.

Best wishes.

Scott.

**oggy1** · 27th November 2007 23:18

thanks maroondevo52 , just working it out,
does anybody know the daily rate of interest icon

to put on the POC icon

thanks

**ukaviator** · 28th November 2007 13:13

Hi

The daily rate is = 0.022% (8/365)

Add up your charges and interest icon

then x by 0.022%

**oggy1** · 28th November 2007 18:12

thanks ukaviator,wasnt thinking properley last night, must be all this pressure.
thanks

**oggy1** · 29th November 2007 19:27

well thats done now, went to court and issued court papers.
i think Capital One icon

will have to answer this one.

**ukaviator** · 30th November 2007 10:34

Just the wait now. They will say that they will defend, then payup. been that way for well over a year now.

**oggy1** · 1st December 2007 14:17

cant wait till they get the court papers, will be interesting?????????//

**oggy1** · 12th December 2007 11:53

well had reply from the court today.
Capital One icon

are going to defend the case. i honestly didnt think they would bother.

**ukaviator** · 12th December 2007 15:33

They nearly always say this then pay up. I would check your account onine everyday from now on. The refund is received before the snotty letter from them.

**WendyB** · 12th December 2007 15:34

They won't. They always say they are going to defend, then usually send an offer letter shortly afterwards. The reason they acknowledge the claim and sat they'll defend is that it buys them another 14 days. Usually they don't even send a copy of the defence in at all, although i did get one last week, on the same day they sent their cheque! And the defence was rubbish anyway.
On past form, won't be long now, sit tight and wait, you'll be sorted soon

.

**oggy1** · 20th December 2007 19:29

WON WON WON,

just as you said ,wendyb & ukaviator, checked my account and they have repaid all of the money plus costs.

recieved the snotty letter today and they wish to move on from here.

have started claim for PPI icon

also.

they still will not send the cca though even though i have requested it for a 3rd time.

thanks all of you.

**maroondevo52** · 20th December 2007 20:05

Congratulations.

**oggy1** · 20th December 2007 22:36

thanks

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