Thread: Old Cap1 card

Hi all

Was just wondering if anyone knew if we were in a position to claim back charges from a credit card that has now been settled? i think it was settled little less than 2 years ago.

Any help would be appreciated.

Thanks

Yes you can. As long as you can remember your account number, send a Subject access request for your statements and take it from there.

Fab thanks to you both, will send the SAR this week, got the details of the account so all is good

Thanks for that Scott, good to hear as I have an account with them , and the one i mention here is hubbys,

thanks again x

To date, have heard nothing at all regarding this. Not surprising.

however, they have got til 5th December to produce. If they don't what is my next action as this is an old account i.e paid off.

thanks

Thanks again Scott. Will do x

eventually received back the SAR. I have checked and there are plenty of charges and what I find strange is, the card was taken out in 2002, and yet in 2003 suddenly some payment protection charges were being added, all of it in total adds up to over £800, can I ask for the payment protection back to, we obviously didn't take it out to begin with as it would have surely shown up in the 2002 statements?

Update

I went out to CAP1 for refund on this old account and they sent me a letter stating

"the OFT has not challenged the right of banks to charge default sums, just the level of them"

They are basically saying that they reduced them to £12 in 2006 so will only refund the difference for the ones previous and have offered a pathetic £72 as opposed to the 800+interest, came to over £1000 we were asking for.

What should our next move be? can anyone advise?

Thanks
Deli

Thanks very much Scott, thought as much so will continue

They are still playing silly games with me on my account tho! and i am still being chased for payment, however, i am standing firm and telling their solicitors to bog off as my account is in dispute.

Cheers for your help
Deli

Shall I just write out to these refusing the settlement and stating that I want the full amount and if they do not pay up then I will take further action?

Cheers

Thanks Scott.

Hi

Letter to reject their offer was sent by recorded delivery on 9th MArch. They have not responded.

What is my next move? letter before action?

Cheers
Deli x

Quite funny really, how can they go from an offer of 72 quid to over 300? They "kindly" looked at the claim again and have said they are prepared to offer this 3oo and odd quid! How very nice of them compared to the approx £1150 I was asking! That'll be a NO then lol

What is the next letter I need to send, will respond and tell them
I will accept as part payment but do I go on to say that I will still be seeking the full amount? Is it letter before action? I'm lost!