Hi everyone,

I am new to this forum and have been reading for the past few weeks to get a full understanding of what I need to do. I wasn't going to actually go ahead, but seeing all the support and advice on this site, and remembereing just how unsympathetic these institutions were when I was having difficulties, I have decided to go for it.

I intend to put claims in against Capital One and Citi Cards. I am also considering Barclaycard and Halifax Bank. My only reluctance with Barclaycard is that they will (could) close my account. Same with Halifax, and I am having difficulty opening an alternative Bank Account.

Anyway, I have calculated that I am owed £433 by Capital One and £375 by Citi Cards. I have all my statements and have gone through them with a fine tooth comb in triplicate!

My letters are drafted and ready to go. In addition to my letter requesting a refund, should I also include my calculations seeing as I did not request a DPA?

Thank you for reading my post!

Welcome and good luck .

You have gone about it the right way by reading around the forum first until you got an understanding of what you are about to do.

You do not have to put calculations in until it comes to filing a claim.

Banks can and sometimes do close accounts you must bear this in mind .Can you not open at least a basic account as a parachute account ?

Thanks for welcoming me!

I have applied for a step account with Nat West - will see what happens. I would really like to take on Halifax, as they have done such silly things like charge me £39 for a £2.49 SO. This actually happened the same day a cheque I had previously paid into my account had cleared. It would appear that during their "automated" banking system, if the credit had been applied to my account before the Standing Order payment, I would not have been charged. So for the sake of 2 seconds, they charged me £39.00.

I did ask for it back, and they told me No.

Halifax are a** holes. I am taking Capiatal 1 card and Halifax on too. Good luck 2 the both of us!

I have applied for A Nat West Step account too & have been accepted on principle - whatever that means. My credit rating is very bad but i think i read that they don't credit check u for this account.

I'm going to be taking on Capital One and A&L.. just reading everything to get a good understanding first!

I wish you luck with all your claims!

Hiya

Good luck to u aswell. Let me know how u get on with Capital 1.

Hels

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