Hi I am prepared to do what ever I need to do to get this resolved, it's the first time I have had to do anything like this so want to make sure I am doing everything correct. Works out that on a £100 limit credit card I had £660 worth of charges plus interest in the space of 3 years. And I don't feel that's fair especially when some months they are adding £36 in charges in the space of 3 weeks. With the interest being 34.94% a year seems that the full sum is around £1372.66 minus the £184 that they wrote of when I agreed the settlement would I be correct that the amount I would need to demand is £1188.66? Thanks for all the help

I received my statements so in the process of going through them now, what line should I add in the letter once I have done that to ask for the default to be removed? As I previously said the reason I believe it should be removed is that the limit was only £100 and they were charging me anywhere between £12 and £36 a month which took me over my limit and at the time I was really struggling and could afford to pay just over the minumum payments and the charges they were adding got out of hand and could not afford to keep it up and therefore I ended up in default. Also I had a call from them and they proposed me to pay 50% of my outstanding balance last week to settle the default, which I did. Will this effect my case? Thanks in advance

No it's around 28 and now the weekend, I thought they had 30 days to get back to you? Or is it 30 working days? Thanks

I'm still waiting for Capital One to send me the relevant correspondance and no news, anything I can do about this?

That's amazing, thanks ever so much guys. I really appreciate all the help, I'll get started right away

Thanks ever so much, am I likely to get any money back or at least have the default removed? Also are there any templates of a prelim letter? Should I send any letters to the corr address being? Capital One Bank PO Box 5283 Nottingham NG2 3YG Sorry to keep asking questions, I've never had to do anything like this before Thanks again

No I don't, I got fed up with it all to be honest and threw everything away, but I'm sure I'm within my right to ask for these? And how exactly do you suggest I ask them for it to be removed?

Hi I'm hoping that there is something I can do about capital one, I received a credit card when I was out of work, which I'm quite sure I did not even apply for. None the less at this time I was out of work and stupidly and being young I used it, with a credit limit of £100, due to me not being at work and the interest being rediculous I was not able to keep up to the montly payments, and every time I missed one I think they charged me something stupid like £30. Anyway I did make most payments up until the end of Nov 2010, ( Charges started in April 08) and realised I was not going anywhere as I was being charged something like £50 a month, a fee for being late and another fee for being over the limit due to the charges! At that point I then defaulted and I have now started making regular payments, which from £100 it ended up to around £550 including charges. Is there anything I can do? I know I was stupid but I think it is a joke to charge me for late fee and then taking me over my limit and charging me for that every month even if I was making regular payments but had not taken it back down under £100 due to low income. I really hope someone can help me.