hi i rang the post office and they said that they cant check if the postal order has been cashed, they said i would have to go to the building in cheshire in person to do this? They said i can fill out a p58 form if i think that the postal order has not yet been cashed?

well i sent the SAR to creation on the 1st of December and still no sign of my statements, it has been more than 40 days now. I have just spoken to their customer service and they are saying they havnt received any letter from me, what should i do now?? is there a follow up letter for this?? cheers

hi its been over 30 days now i think and still no statements, should i send them another letter and if so is there a template letter for this? cheers

if unemployed? if not, i have a list of all my charges so what is the next step for me, do i continue as normal or go straight for a court claim? cheers

what are hfc like for sending out your statements, do they usually deliver within the 40 days?

Im sure someone will help you with this. Wish i only had 1 default and a couple of £12 charges to my name lol, seriously though i cant believe your stressing so much over this, just keep going through with the claim for your £12 fees back and send another letter asking for them to remove the default as the default was incured due to the charges. Id be more helpful but im no expert but you have come to the right place.

SAR sent out last week for 2 accounts i have with them, ive paid a fortune in £20 charges with these, time to get my own back! quick question do i add the 8% interest on when im asking for charges back? or do i only add this if it gets to the court stage?

arrrggghhh i hate this place! so im going to claim every penny back on all charges. I have two accounts with them, one of them is almost cleared and the other has a balance of £1,112, which i find to be a complete joke. The balance on this account was around £500 about 6 months or so ago, and when i phoned them up last week to find out what my outstanding balance was they told me to ring back in 20 minutes so they could calculate it for me, now is it me or does this seem a bit strange? Anyway i know its a total joke and ive sent my SAR out to them last friday, when i ask for all charges back do i add the 8% interest on them or is that only added for when i take it to court?

hi ive been on job seekers allowance for quite a while now and so im struggling with my debts. Is it possible for me to get all charges and interest frozen on my credit/store cards? if so how do i do this? cheers

so can i claim against these "dad" ? sorrys its just im not the brightest guy on here lol

im currently unemployed and i am just over £200 in arrears with them with an outstanding balance of £470, they have recently sent out a letter charging me £25 just for that (sick!), ive explained to them 3 times in the past month that im unemployed but they dont seem to care or listen all they are doing is demanding the £207 arreas, they said the best they can do is split it over 3 months but i cant afford that because i will be paying £50 plus the £50 i already have to pay each month, what can i do? also i mentioned to her that i will be claiming all charges back, she then said well how are you going to do this mr daniels, i said ive done it with a couple other credit companys and she said i cant do it with them because its in their terms and conditions, is this true?

omg i just phoned and the £64 was put into my account by mistake by the woman who i spoke to the other day! lol so i could have kept that £64 but oh no i have to be so kind and ring them up to ask has this amount been put in my account, because i rang them she has just refunded 1 of the 2 charges i occured last week, i asked her to refund both and she said no i cant, this is simply a gesture of goodwill because i phoned them about the £64! tight or what, dont get these costumer service people, its not like they are making any profit yet they have the power to refund all charges, so annoying.

i got charged £30 for going £10 over my agreed overdraft limit of £200 with barclays, i then had a direct debit of £36 taken out the next day (which i forgot about and was my fault) so i got charged a further £30, my balance was now £310 approx. I then recieved a phone call saying blah blah blah and i agreed to pay iit back down to £200 on the 19th october, i asked if she could take one of the charges off at least but was declined because i have had too many good will gestures (think ive had 4 in past 10 months). So she has put a stop on my account which is fine by me, and moved the overdraft limit upto to £310 until the payment has been made on the 19th, however ive checked my online statement and its now showing a balance of £243 and on the statement it has this: 03/10/2007 Remittance £64.35 -£243.29 C F (U) REM Does this mean my charges have been refunded?

sent my lba last moneday and recieved a reply this morning offering me £350 from the £800 in charges the owe me, the question is should i accept? if i decide not to accept how long should i be expecting to wait until the claim is sorted, could it be a few months? or is it possible to get the claim sorted and capitalone hopefully backing down before the case starts within say a month?

im currently claiming against capital one however i would like my next claim to be against barclays but with all the drama twith the court cases etc is it still possible to go through the same stages as claiming from a credit card?

thanks for reply. Have i made a mistake here though, i sent the Letter Before Action off after recieving my statement because i followed the instructions on "penaltycahrgesforum", where as on this website you are told to send a PRE LBA off first, will this matter?

Right, i received all my statements, charges of a total of £800, i sent my 14 day letter today asking for a charges to be refunded. What should i expect from CapOne? Whats the next step if i do not hear from them, make a claim online? how should i prepare myself? thanks.