Thanks Archer, Also they said I had defaults, but I never received notice of these. My friend just had a look at my statements also, and she said that they allowed me to activate and use my card, before my 18th birthday! Me being me never realised, she said maybe I could claim back the balance as I was not 18! Any ideas on this anyone??

Hi, I'm trying to claim back charges against cap1, and the letter they sent you was vv similar to mine, they have offered me £370 as a good will gesture!!! the actual amount I wanted to claim back was £954, I am also hoping to claim back interest, which I read on Motley Fool, and also included this sum in my letter. I am not sure if that sum was correct so I asked them how much they have calculated it at, and they have refused to tell me as it it is private business information. I'm not settling with what they have offered, any advice?? Lallybells