Thanks to Bovvered and Crusty Git for the prompt replies. I will be contacting Capital One right now to reclaim MY money. Good luck to you and I'll keep all informed of my progress. As a matter of interest can I claim back charges due to mortgage arrears, even though I am now not with the Bank of Scotland and the arrears are cleared? Cheers

I have been paying NEWMAN & CO (DCA) £5 per week for the last three years for my Capital One debt. I had a total credit limit of £400 on my card but due to charges I reckon I have paid more than double what I owed in the first place and I still have £142 to go. I have mailed Newman to ask them to give me a total amount of the debt, to no avail. Can you please tell me if it is Capital One I start to harass for my charges or do I direct my sharp toungue at Newman & Co? Also can you tell me if the DCA are obliged to give me the paperwork for the total amount of my debt? Thanks very much. I am a woman on a mission, the amount I have paid in charges over the years makes my blood boil. I reckon I am around £12000 down. Watch this space